Call reports 2007
CITIZENS STATE BANK OF FINLEY, THE — 2007
What CITIZENS STATE BANK OF FINLEY, THE 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 | 76,264,000 | 85,143,000 | 87,445,000 | 91,938,000 |
| Total loans | 57,253,000 | 66,537,000 | 68,631,000 | 68,789,000 |
| Allowance for loan losses | 449,000 | 489,000 | 529,000 | 579,000 |
| Securities available for sale | 4,337,000 | 4,086,000 | 4,446,000 | 5,583,000 |
| Securities held to maturity | 6,913,000 | 6,905,000 | 6,741,000 | 7,077,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,366,000 | 63,195,000 | 62,644,000 | 68,065,000 |
| Interest-bearing deposits | 57,068,000 | 56,335,000 | 54,744,000 | 55,840,000 |
| Noninterest-bearing deposits | 8,298,000 | 6,860,000 | 7,900,000 | 12,225,000 |
| Equity capital | 6,079,000 | 6,117,000 | 8,369,000 | 8,360,000 |
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 | 1,301,000 | 2,741,000 | 4,321,000 | 5,897,000 |
| Interest expense | 640,000 | 1,327,000 | 2,143,000 | 2,962,000 |
| Net interest income | 661,000 | 1,414,000 | 2,178,000 | 2,935,000 |
| Noninterest income | 183,000 | 371,000 | 787,000 | 1,058,000 |
| Noninterest expense | 668,000 | 1,409,000 | 2,154,000 | 3,096,000 |
| Provision for loan losses | 40,000 | 80,000 | 155,000 | 205,000 |
| Pretax income | 136,000 | 296,000 | 656,000 | 692,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 136,000 | 296,000 | 656,000 | 692,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,871,000 | 5,931,000 | 8,144,000 | 8,117,000 |
| Total capital | 6,320,000 | 6,420,000 | 8,673,000 | 8,696,000 |
| Risk-weighted assets | 58,453,000 | 63,973,000 | 68,836,000 | 71,597,000 |
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