Call reports 2007
CITIZENS STATE BANK OF WAVERLY (INCORPORATED) — 2007
What CITIZENS STATE BANK OF WAVERLY (INCORPORATED) 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 | 48,944,000 | 54,949,000 | 52,208,000 | 62,230,000 |
| Total loans | 38,823,000 | 39,252,000 | 40,044,000 | 40,219,000 |
| Allowance for loan losses | 434,000 | 449,000 | 468,000 | 489,000 |
| Securities available for sale | 4,082,000 | 4,299,000 | 4,326,000 | 4,595,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,257,000 | 48,138,000 | 45,041,000 | 53,978,000 |
| Interest-bearing deposits | 26,614,000 | 28,711,000 | 26,417,000 | 28,144,000 |
| Noninterest-bearing deposits | 15,643,000 | 19,427,000 | 18,624,000 | 25,834,000 |
| Equity capital | 4,177,000 | 4,230,000 | 4,460,000 | 4,725,000 |
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 | 864,000 | 1,758,000 | 2,679,000 | 3,598,000 |
| Interest expense | 205,000 | 425,000 | 637,000 | 842,000 |
| Net interest income | 659,000 | 1,333,000 | 2,042,000 | 2,756,000 |
| Noninterest income | 161,000 | 338,000 | 538,000 | 879,000 |
| Noninterest expense | 525,000 | 1,034,000 | 1,591,000 | 2,260,000 |
| Provision for loan losses | 19,000 | 38,000 | 59,000 | 80,000 |
| Pretax income | 276,000 | 599,000 | 930,000 | 1,295,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 275,000 | 598,000 | 929,000 | 1,294,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,187,000 | 4,258,000 | 4,452,000 | 4,686,000 |
| Total capital | 4,621,000 | 4,707,000 | 4,920,000 | 5,175,000 |
| Risk-weighted assets | 39,523,000 | 41,375,000 | 41,858,000 | 44,452,000 |
Machine access — free, no API key
Every figure shown here about CITIZENS STATE BANK OF WAVERLY (INCORPORATED) — 2007 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.