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 | 60,171,000 | 60,350,000 | 60,472,000 | 61,055,000 |
| Total loans | 25,057,000 | 25,896,000 | 27,196,000 | 27,241,000 |
| Allowance for loan losses | 125,000 | 119,000 | 115,000 | 112,000 |
| Securities available for sale | 29,662,000 | 29,730,000 | 28,899,000 | 28,518,000 |
| Securities held to maturity | 110,000 | 110,000 | 55,000 | 55,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,125,000 | 52,403,000 | 51,899,000 | 52,191,000 |
| Interest-bearing deposits | 46,729,000 | 46,903,000 | 46,804,000 | 46,573,000 |
| Noninterest-bearing deposits | 5,396,000 | 5,500,000 | 5,095,000 | 5,618,000 |
| Equity capital | 7,778,000 | 7,757,000 | 8,221,000 | 7,916,000 |
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 | 879,000 | 1,787,000 | 2,770,000 | 3,767,000 |
| Interest expense | 301,000 | 618,000 | 962,000 | 1,306,000 |
| Net interest income | 578,000 | 1,169,000 | 1,808,000 | 2,461,000 |
| Noninterest income | 120,000 | 227,000 | 283,000 | 328,000 |
| Noninterest expense | 475,000 | 976,000 | 1,444,000 | 1,975,000 |
| Provision for loan losses | 3,000 | 6,000 | 14,000 | 22,000 |
| Pretax income | 220,000 | 414,000 | 633,000 | 789,000 |
| Income tax | 56,000 | 117,000 | 170,000 | 200,000 |
| Net income | 164,000 | 297,000 | 463,000 | 589,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,109,000 | 8,242,000 | 8,408,000 | 7,947,000 |
| Total capital | 8,234,000 | 8,361,000 | 8,523,000 | 8,059,000 |
| Risk-weighted assets | 24,802,000 | 25,559,000 | 26,604,000 | 26,749,000 |
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