Call reports 2007
CITIZENS STATE BANK, GANADO, TEXAS — 2007
What CITIZENS STATE BANK, GANADO, TEXAS 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 | 49,688,000 | 48,426,000 | 50,825,000 | 51,735,000 |
| Total loans | 7,951,000 | 9,281,000 | 8,881,000 | 8,772,000 |
| Allowance for loan losses | 189,000 | 189,000 | 189,000 | 189,000 |
| Securities available for sale | 29,916,000 | 29,443,000 | 30,233,000 | 32,301,000 |
| Securities held to maturity | 987,000 | 948,000 | 914,000 | 884,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,348,000 | 45,443,000 | 47,521,000 | 48,157,000 |
| Interest-bearing deposits | 35,505,000 | 34,415,000 | 36,473,000 | 34,010,000 |
| Noninterest-bearing deposits | 10,843,000 | 11,028,000 | 11,048,000 | 14,147,000 |
| Equity capital | 3,096,000 | 2,688,000 | 2,987,000 | 3,363,000 |
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 | 643,000 | 1,294,000 | 1,944,000 | 2,601,000 |
| Interest expense | 268,000 | 548,000 | 825,000 | 1,101,000 |
| Net interest income | 375,000 | 746,000 | 1,119,000 | 1,500,000 |
| Noninterest income | 73,000 | 150,000 | 213,000 | 284,000 |
| Noninterest expense | 359,000 | 738,000 | 1,072,000 | 1,418,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 89,000 | 158,000 | 260,000 | 366,000 |
| Income tax | 28,000 | 48,000 | 80,000 | 115,000 |
| Net income | 61,000 | 110,000 | 180,000 | 251,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,339,000 | 3,388,000 | 3,409,000 | 3,480,000 |
| Total capital | 3,527,000 | 3,577,000 | 3,598,000 | 3,669,000 |
| Risk-weighted assets | 14,253,000 | 16,321,000 | 16,272,000 | 15,963,000 |
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