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 | 66,654,000 | 66,084,000 | 65,864,000 | 66,530,000 |
| Total loans | 32,200,000 | 31,212,000 | 30,520,000 | 28,724,000 |
| Allowance for loan losses | 913,000 | 883,000 | 845,000 | 835,000 |
| Securities available for sale | 27,387,000 | 28,335,000 | 27,964,000 | 29,387,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,544,000 | 58,425,000 | 57,713,000 | 58,932,000 |
| Interest-bearing deposits | 52,182,000 | 51,438,000 | 51,338,000 | 52,145,000 |
| Noninterest-bearing deposits | 6,362,000 | 6,987,000 | 6,376,000 | 6,787,000 |
| Equity capital | 7,211,000 | 6,650,000 | 7,077,000 | 6,635,000 |
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 | 1,027,000 | 2,094,000 | 3,121,000 | 4,162,000 |
| Interest expense | 452,000 | 894,000 | 1,338,000 | 1,800,000 |
| Net interest income | 575,000 | 1,200,000 | 1,783,000 | 2,362,000 |
| Noninterest income | 173,000 | 301,000 | 467,000 | 646,000 |
| Noninterest expense | 692,000 | 1,375,000 | 2,054,000 | 2,837,000 |
| Provision for loan losses | 0 | 0 | 0 | 150,000 |
| Pretax income | 48,000 | -118,000 | -48,000 | -223,000 |
| Income tax | 0 | 0 | -8,000 | -161,000 |
| Net income | 48,000 | -118,000 | -40,000 | -62,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,348,000 | 7,159,000 | 7,235,000 | 6,390,000 |
| Total capital | 7,579,000 | 7,378,000 | 7,443,000 | 6,590,000 |
| Risk-weighted assets | 39,311,000 | 38,137,000 | 37,141,000 | 36,114,000 |
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