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 | 30,524,000 | 30,137,000 | 29,730,000 | 31,409,000 |
| Total loans | 16,015,000 | 19,749,000 | 20,844,000 | 17,323,000 |
| Allowance for loan losses | 166,000 | 167,000 | 169,000 | 172,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,671,000 | 3,252,000 | 3,211,000 | 3,160,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,790,000 | 27,324,000 | 26,803,000 | 28,597,000 |
| Interest-bearing deposits | 24,519,000 | 24,126,000 | 24,099,000 | 24,871,000 |
| Noninterest-bearing deposits | 3,271,000 | 3,198,000 | 2,704,000 | 3,726,000 |
| Equity capital | 2,570,000 | 2,582,000 | 2,674,000 | 2,553,000 |
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 | 531,000 | 1,080,000 | 1,665,000 | 2,225,000 |
| Interest expense | 264,000 | 515,000 | 770,000 | 1,018,000 |
| Net interest income | 267,000 | 565,000 | 895,000 | 1,207,000 |
| Noninterest income | 43,000 | 83,000 | 129,000 | 170,000 |
| Noninterest expense | 217,000 | 417,000 | 643,000 | 1,007,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 93,000 | 231,000 | 381,000 | 270,000 |
| Income tax | -62,000 | 64,000 | 76,000 | 81,000 |
| Net income | 155,000 | 167,000 | 305,000 | 189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,570,000 | 2,582,000 | 2,674,000 | 2,553,000 |
| Total capital | 2,736,000 | 2,749,000 | 2,843,000 | 2,725,000 |
| Risk-weighted assets | 21,908,000 | 22,715,000 | 21,453,000 | 21,436,000 |