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 | 73,080,000 | 75,646,000 | 77,558,000 | 78,111,000 |
| Total loans | 58,472,000 | 56,389,000 | 58,380,000 | 62,135,000 |
| Allowance for loan losses | 605,000 | 609,000 | 595,000 | 720,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,454,000 | 3,458,000 | 3,460,000 | 4,960,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,160,000 | 61,663,000 | 64,426,000 | 66,067,000 |
| Interest-bearing deposits | 37,139,000 | 43,480,000 | 47,203,000 | 49,679,000 |
| Noninterest-bearing deposits | 19,021,000 | 18,183,000 | 17,224,000 | 16,387,000 |
| Equity capital | 8,515,000 | 8,515,000 | 8,515,000 | 8,515,000 |
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 | 1,335,000 | 2,687,000 | 4,114,000 | 5,436,000 |
| Interest expense | 459,000 | 948,000 | 1,501,000 | 2,058,000 |
| Net interest income | 876,000 | 1,739,000 | 2,613,000 | 3,378,000 |
| Noninterest income | 111,000 | 271,000 | 410,000 | 544,000 |
| Noninterest expense | 679,000 | 1,405,000 | 2,134,000 | 2,856,000 |
| Provision for loan losses | 0 | 0 | 0 | 126,000 |
| Pretax income | 308,000 | 605,000 | 889,000 | 940,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 308,000 | 605,000 | 889,000 | 940,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,515,000 | 8,515,000 | 8,515,000 | 8,515,000 |
| Total capital | 9,120,000 | 9,124,000 | 9,110,000 | 9,235,000 |
| Risk-weighted assets | 59,020,000 | 60,145,000 | 62,349,000 | 66,234,000 |