Call reports 2007
CITIZENS FIRST STATE BANK OF WALNUT — 2007
What CITIZENS FIRST STATE BANK OF WALNUT 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 | 67,418,000 | 67,790,000 | 63,866,000 | 66,678,000 |
| Total loans | 52,286,000 | 54,820,000 | 50,916,000 | 53,007,000 |
| Allowance for loan losses | 555,000 | 505,000 | 518,000 | 427,000 |
| Securities available for sale | 7,497,000 | 7,654,000 | 7,879,000 | 7,792,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,131,000 | 53,514,000 | 51,931,000 | 53,991,000 |
| Interest-bearing deposits | 49,363,000 | 47,003,000 | 45,793,000 | 46,772,000 |
| Noninterest-bearing deposits | 5,768,000 | 6,511,000 | 6,138,000 | 7,219,000 |
| Equity capital | 5,671,000 | 5,646,000 | 5,782,000 | 5,719,000 |
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 | 1,127,000 | 2,232,000 | 3,335,000 | 4,386,000 |
| Interest expense | 575,000 | 1,108,000 | 1,645,000 | 2,160,000 |
| Net interest income | 552,000 | 1,124,000 | 1,690,000 | 2,226,000 |
| Noninterest income | 42,000 | 85,000 | 133,000 | 180,000 |
| Noninterest expense | 537,000 | 1,079,000 | 1,593,000 | 2,258,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 39,000 |
| Pretax income | 48,000 | 112,000 | 203,000 | 109,000 |
| Income tax | 2,000 | 3,000 | 5,000 | -1,000 |
| Net income | 46,000 | 109,000 | 198,000 | 110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,153,000 | 5,176,000 | 5,223,000 | 5,098,000 |
| Total capital | 5,708,000 | 5,681,000 | 5,741,000 | 5,525,000 |
| Risk-weighted assets | 48,073,000 | 49,428,000 | 47,274,000 | 47,345,000 |