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 | 180,719,000 | 181,826,000 | 188,025,000 | 188,046,000 |
| Total loans | 141,116,000 | 145,485,000 | 144,945,000 | 144,937,000 |
| Allowance for loan losses | 1,246,000 | 1,218,000 | 1,217,000 | 1,469,000 |
| Securities available for sale | 16,082,000 | 17,030,000 | 26,291,000 | 26,040,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,045,000 | 160,907,000 | 154,453,000 | 156,210,000 |
| Interest-bearing deposits | 116,104,000 | 114,804,000 | 111,739,000 | 113,978,000 |
| Noninterest-bearing deposits | 43,940,000 | 46,104,000 | 42,714,000 | 42,232,000 |
| Equity capital | 17,222,000 | 17,765,000 | 18,469,000 | 18,662,000 |
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 | 2,906,000 | 5,969,000 | 9,199,000 | 12,401,000 |
| Interest expense | 1,078,000 | 2,188,000 | 3,373,000 | 4,545,000 |
| Net interest income | 1,828,000 | 3,781,000 | 5,826,000 | 7,856,000 |
| Noninterest income | 390,000 | 842,000 | 1,274,000 | 1,738,000 |
| Noninterest expense | 1,453,000 | 2,909,000 | 4,363,000 | 6,282,000 |
| Provision for loan losses | 0 | 0 | 0 | 400,000 |
| Pretax income | 765,000 | 1,714,000 | 2,733,000 | 3,049,000 |
| Income tax | 211,000 | 498,000 | 817,000 | 1,032,000 |
| Net income | 554,000 | 1,216,000 | 1,916,000 | 2,017,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,302,000 | 18,207,000 | 18,906,000 | 19,007,000 |
| Total capital | 18,548,000 | 19,425,000 | 20,123,000 | 20,476,000 |
| Risk-weighted assets | 137,881,000 | 145,351,000 | 144,621,000 | 146,998,000 |
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