Call reports 2007
CITIZENS STATE BANK — 2007
What CITIZENS STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 104,510,000 | 107,021,000 | 108,584,000 | 113,957,000 |
| Total loans | 93,105,000 | 95,482,000 | 97,117,000 | 98,436,000 |
| Allowance for loan losses | 1,013,000 | 1,012,000 | 999,000 | 993,000 |
| Securities available for sale | 4,973,000 | 5,006,000 | 5,136,000 | 5,256,000 |
| Securities held to maturity | 338,000 | 336,000 | 333,000 | 229,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,437,000 | 92,120,000 | 96,894,000 | 103,251,000 |
| Interest-bearing deposits | 84,526,000 | 84,352,000 | 87,950,000 | 89,605,000 |
| Noninterest-bearing deposits | 9,911,000 | 7,768,000 | 8,944,000 | 13,646,000 |
| Equity capital | 9,588,000 | 10,092,000 | 10,165,000 | 10,149,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,935,000 | 3,971,000 | 6,330,000 | 8,323,000 |
| Interest expense | 898,000 | 1,853,000 | 2,847,000 | 3,848,000 |
| Net interest income | 1,037,000 | 2,118,000 | 3,483,000 | 4,475,000 |
| Noninterest income | 162,000 | 311,000 | 554,000 | 764,000 |
| Noninterest expense | 687,000 | 1,381,000 | 2,095,000 | 2,821,000 |
| Provision for loan losses | 0 | 0 | 0 | 30,000 |
| Pretax income | 512,000 | 1,048,000 | 1,942,000 | 2,388,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 512,000 | 1,048,000 | 1,942,000 | 2,388,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,492,000 | 10,028,000 | 10,073,000 | 9,994,000 |
| Total capital | 10,505,000 | 11,040,000 | 11,072,000 | 10,987,000 |
| Risk-weighted assets | 95,375,000 | 97,687,000 | 99,261,000 | 100,947,000 |
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