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 | 216,185,000 | 210,602,000 | 223,497,000 | 234,802,000 |
| Total loans | 120,782,000 | 125,669,000 | 129,770,000 | 134,293,000 |
| Allowance for loan losses | 1,050,000 | 1,109,000 | 1,256,000 | 1,213,000 |
| Securities available for sale | 59,309,000 | 55,576,000 | 58,277,000 | 62,381,000 |
| Securities held to maturity | 1,312,000 | 1,312,000 | 887,000 | 1,761,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,909,000 | 189,127,000 | 200,968,000 | 212,318,000 |
| Interest-bearing deposits | 179,443,000 | 177,576,000 | 187,873,000 | 195,198,000 |
| Noninterest-bearing deposits | 15,466,000 | 11,551,000 | 13,095,000 | 17,120,000 |
| Equity capital | 19,631,000 | 19,839,000 | 20,498,000 | 21,054,000 |
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 | 3,494,000 | 7,072,000 | 10,757,000 | 14,649,000 |
| Interest expense | 1,134,000 | 2,301,000 | 3,529,000 | 4,819,000 |
| Net interest income | 2,360,000 | 4,771,000 | 7,228,000 | 9,830,000 |
| Noninterest income | 600,000 | 1,211,000 | 1,842,000 | 2,512,000 |
| Noninterest expense | 1,868,000 | 3,891,000 | 5,892,000 | 8,128,000 |
| Provision for loan losses | 75,000 | 150,000 | 400,000 | 460,000 |
| Pretax income | 1,017,000 | 1,941,000 | 2,778,000 | 3,754,000 |
| Income tax | 329,000 | 618,000 | 899,000 | 1,189,000 |
| Net income | 688,000 | 1,323,000 | 1,879,000 | 2,565,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,013,000 | 20,648,000 | 20,814,000 | 21,120,000 |
| Total capital | 21,063,000 | 21,757,000 | 22,070,000 | 22,333,000 |
| Risk-weighted assets | 137,689,000 | 140,341,000 | 145,394,000 | 151,481,000 |