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 | 56,264,000 | 54,071,000 | 55,686,000 | 58,755,000 |
| Total loans | 12,557,000 | 12,782,000 | 12,580,000 | 28,239,000 |
| Allowance for loan losses | 346,000 | 378,000 | 336,000 | 350,000 |
| Securities available for sale | 34,067,000 | 33,839,000 | 32,804,000 | 26,830,000 |
| Securities held to maturity | 1,615,000 | 1,414,000 | 1,409,000 | 120,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,752,000 | 34,827,000 | 35,870,000 | 38,560,000 |
| Interest-bearing deposits | 31,081,000 | 29,962,000 | 30,982,000 | 33,348,000 |
| Noninterest-bearing deposits | 5,671,000 | 4,865,000 | 4,888,000 | 5,212,000 |
| Equity capital | 9,207,000 | 8,934,000 | 9,486,000 | 9,848,000 |
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 | 800,000 | 1,595,000 | 2,396,000 | 3,282,000 |
| Interest expense | 414,000 | 836,000 | 1,263,000 | 1,719,000 |
| Net interest income | 386,000 | 759,000 | 1,133,000 | 1,563,000 |
| Noninterest income | 48,000 | 96,000 | 144,000 | 198,000 |
| Noninterest expense | 213,000 | 438,000 | 694,000 | 1,014,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 221,000 | 417,000 | 586,000 | 760,000 |
| Income tax | 64,000 | 127,000 | 180,000 | 228,000 |
| Net income | 157,000 | 290,000 | 406,000 | 532,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,302,000 | 9,427,000 | 9,544,000 | 9,677,000 |
| Total capital | 9,584,000 | 9,704,000 | 9,821,000 | 10,027,000 |
| Risk-weighted assets | 22,479,000 | 22,088,000 | 22,120,000 | 34,317,000 |
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