Call reports 2007
CITIZENS STATE BANK OF CROPSEY — 2007
What CITIZENS STATE BANK OF CROPSEY 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 | 28,668,000 | 29,046,000 | 28,613,000 | 29,598,000 |
| Total loans | 21,140,000 | 21,377,000 | 21,378,000 | 22,642,000 |
| Allowance for loan losses | 199,000 | 208,000 | 219,000 | 223,000 |
| Securities available for sale | 2,782,000 | 2,722,000 | 2,732,000 | 2,238,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,300,000 | 24,629,000 | 24,149,000 | 25,146,000 |
| Interest-bearing deposits | 21,960,000 | 22,172,000 | 21,579,000 | 21,770,000 |
| Noninterest-bearing deposits | 2,340,000 | 2,456,000 | 2,570,000 | 3,377,000 |
| Equity capital | 2,375,000 | 2,413,000 | 2,456,000 | 2,458,000 |
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 | 457,000 | 928,000 | 1,398,000 | 1,878,000 |
| Interest expense | 220,000 | 448,000 | 677,000 | 905,000 |
| Net interest income | 237,000 | 480,000 | 721,000 | 973,000 |
| Noninterest income | 22,000 | 40,000 | 61,000 | 87,000 |
| Noninterest expense | 244,000 | 460,000 | 681,000 | 856,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 28,000 |
| Pretax income | 7,000 | 45,000 | 78,000 | 178,000 |
| Income tax | 7,000 | 15,000 | 25,000 | 40,000 |
| Net income | 0 | 30,000 | 53,000 | 138,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,400,000 | 2,459,000 | 2,477,000 | 2,463,000 |
| Total capital | 2,599,000 | 2,667,000 | 2,696,000 | 2,686,000 |
| Risk-weighted assets | 23,266,000 | 23,679,000 | 24,230,000 | 25,441,000 |