Call reports 2007
CITIZENS BANK OF ELDON — 2007
What CITIZENS BANK OF ELDON 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 | 88,049,000 | 90,463,000 | 90,855,000 | 98,248,000 |
| Total loans | 54,005,000 | 55,297,000 | 56,499,000 | 56,503,000 |
| Allowance for loan losses | 495,000 | 482,000 | 499,000 | 554,000 |
| Securities available for sale | 25,996,000 | 23,552,000 | 26,403,000 | 29,215,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,650,000 | 75,118,000 | 74,759,000 | 81,906,000 |
| Interest-bearing deposits | 56,998,000 | 57,898,000 | 59,371,000 | 65,712,000 |
| Noninterest-bearing deposits | 15,652,000 | 17,220,000 | 15,388,000 | 16,194,000 |
| Equity capital | 14,107,000 | 14,186,000 | 14,703,000 | 14,994,000 |
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 | 1,381,000 | 2,770,000 | 4,214,000 | 5,707,000 |
| Interest expense | 472,000 | 952,000 | 1,474,000 | 2,048,000 |
| Net interest income | 909,000 | 1,818,000 | 2,740,000 | 3,659,000 |
| Noninterest income | 193,000 | 394,000 | 779,000 | 991,000 |
| Noninterest expense | 677,000 | 1,399,000 | 2,217,000 | 2,960,000 |
| Provision for loan losses | 39,000 | 71,000 | 110,000 | 187,000 |
| Pretax income | 386,000 | 742,000 | 1,192,000 | 1,503,000 |
| Income tax | 112,000 | 210,000 | 328,000 | 396,000 |
| Net income | 274,000 | 532,000 | 864,000 | 1,107,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,073,000 | 14,271,000 | 14,575,000 | 14,716,000 |
| Total capital | 14,568,000 | 14,753,000 | 15,074,000 | 15,270,000 |
| Risk-weighted assets | 54,885,000 | 56,296,000 | 56,365,000 | 57,732,000 |
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