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 | 42,992,000 | 42,401,000 | 43,639,000 | 44,244,000 |
| Total loans | 22,801,000 | 23,771,000 | 25,824,000 | 25,305,000 |
| Allowance for loan losses | 256,000 | 255,000 | 242,000 | 248,000 |
| Securities available for sale | 15,428,000 | 14,791,000 | 14,869,000 | 14,370,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,163,000 | 37,729,000 | 38,653,000 | 38,808,000 |
| Interest-bearing deposits | 30,160,000 | 29,561,000 | 30,469,000 | 30,834,000 |
| Noninterest-bearing deposits | 8,003,000 | 8,168,000 | 8,184,000 | 7,974,000 |
| Equity capital | 4,667,000 | 4,453,000 | 4,712,000 | 5,088,000 |
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 | 716,000 | 1,445,000 | 2,193,000 | 2,970,000 |
| Interest expense | 246,000 | 499,000 | 761,000 | 1,024,000 |
| Net interest income | 470,000 | 946,000 | 1,432,000 | 1,946,000 |
| Noninterest income | 79,000 | 167,000 | 263,000 | 358,000 |
| Noninterest expense | 362,000 | 692,000 | 1,049,000 | 1,381,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 34,000 |
| Pretax income | 184,000 | 415,000 | 637,000 | 891,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 184,000 | 415,000 | 637,000 | 891,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,996,000 | 4,912,000 | 4,945,000 | 4,990,000 |
| Total capital | 5,252,000 | 5,167,000 | 5,187,000 | 5,238,000 |
| Risk-weighted assets | 24,778,000 | 25,232,000 | 27,031,000 | 26,767,000 |
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