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 | 24,761,000 | 24,700,000 | 25,848,000 | 27,607,000 |
| Total loans | 9,963,000 | 9,799,000 | 9,830,000 | 10,101,000 |
| Allowance for loan losses | 94,000 | 136,000 | 132,000 | 122,000 |
| Securities available for sale | 7,740,000 | 8,052,000 | 8,448,000 | 9,205,000 |
| Securities held to maturity | 644,000 | 859,000 | 1,114,000 | 1,114,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,894,000 | 21,912,000 | 22,847,000 | 24,470,000 |
| Interest-bearing deposits | 16,683,000 | 16,783,000 | 17,251,000 | 18,736,000 |
| Noninterest-bearing deposits | 5,211,000 | 5,129,000 | 5,596,000 | 5,734,000 |
| Equity capital | 2,740,000 | 2,656,000 | 2,854,000 | 2,959,000 |
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 | 396,000 | 797,000 | 1,215,000 | 1,644,000 |
| Interest expense | 120,000 | 247,000 | 383,000 | 519,000 |
| Net interest income | 276,000 | 550,000 | 832,000 | 1,125,000 |
| Noninterest income | 30,000 | 69,000 | 107,000 | 146,000 |
| Noninterest expense | 187,000 | 373,000 | 563,000 | 782,000 |
| Provision for loan losses | 9,000 | 54,000 | 57,000 | 72,000 |
| Pretax income | 110,000 | 192,000 | 319,000 | 417,000 |
| Income tax | 31,000 | 59,000 | 83,000 | 131,000 |
| Net income | 79,000 | 133,000 | 236,000 | 286,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,866,000 | 2,904,000 | 3,005,000 | 3,040,000 |
| Total capital | 2,960,000 | 3,040,000 | 3,137,000 | 3,162,000 |
| Risk-weighted assets | 11,910,000 | 11,899,000 | 12,064,000 | 12,544,000 |
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