Call reports 2007
CITIZENS STATE BANK AND TRUST COMPANY — 2007
What CITIZENS STATE BANK AND TRUST COMPANY 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 | 58,139,000 | 57,244,000 | 58,708,000 | 61,768,000 |
| Total loans | 32,275,000 | 33,739,000 | 35,844,000 | 36,143,000 |
| Allowance for loan losses | 418,000 | 415,000 | 412,000 | 423,000 |
| Securities available for sale | 18,974,000 | 17,618,000 | 17,083,000 | 19,488,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,055,000 | 46,911,000 | 47,982,000 | 50,814,000 |
| Interest-bearing deposits | 38,499,000 | 38,481,000 | 39,105,000 | 41,666,000 |
| Noninterest-bearing deposits | 9,556,000 | 8,430,000 | 8,877,000 | 9,148,000 |
| Equity capital | 9,871,000 | 10,031,000 | 10,357,000 | 10,534,000 |
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 | 881,000 | 1,772,000 | 2,729,000 | 3,668,000 |
| Interest expense | 223,000 | 454,000 | 719,000 | 982,000 |
| Net interest income | 658,000 | 1,318,000 | 2,010,000 | 2,686,000 |
| Noninterest income | 192,000 | 437,000 | 581,000 | 775,000 |
| Noninterest expense | 481,000 | 991,000 | 1,520,000 | 2,099,000 |
| Provision for loan losses | 0 | 0 | 0 | 30,000 |
| Pretax income | 369,000 | 764,000 | 1,071,000 | 1,332,000 |
| Income tax | 11,000 | 26,000 | 41,000 | 56,000 |
| Net income | 358,000 | 738,000 | 1,030,000 | 1,276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,008,000 | 10,222,000 | 10,357,000 | 10,438,000 |
| Total capital | 10,426,000 | 10,639,000 | 10,769,000 | 10,861,000 |
| Risk-weighted assets | 37,251,000 | 38,271,000 | 42,255,000 | 42,501,000 |