Call reports 2007
CITIZENS BANK OF LOGAN, THE — 2007
What CITIZENS BANK OF LOGAN, THE 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 | 217,809,000 | 221,822,000 | 224,448,000 | 227,564,000 |
| Total loans | 158,407,000 | 163,464,000 | 171,117,000 | 172,769,000 |
| Allowance for loan losses | 2,477,000 | 2,476,000 | 2,346,000 | 2,330,000 |
| Securities available for sale | 41,597,000 | 41,133,000 | 39,773,000 | 38,594,000 |
| Securities held to maturity | 149,000 | 114,000 | 83,000 | 60,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,689,000 | 197,360,000 | 193,957,000 | 192,562,000 |
| Interest-bearing deposits | 176,022,000 | 179,376,000 | 177,260,000 | 174,304,000 |
| Noninterest-bearing deposits | 17,667,000 | 17,984,000 | 16,697,000 | 18,258,000 |
| Equity capital | 18,956,000 | 19,071,000 | 19,587,000 | 19,851,000 |
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 | 3,889,000 | 7,894,000 | 11,909,000 | 15,945,000 |
| Interest expense | 1,871,000 | 3,792,000 | 5,726,000 | 7,619,000 |
| Net interest income | 2,018,000 | 4,102,000 | 6,183,000 | 8,326,000 |
| Noninterest income | 422,000 | 879,000 | 1,357,000 | 1,819,000 |
| Noninterest expense | 1,647,000 | 3,406,000 | 5,252,000 | 6,838,000 |
| Provision for loan losses | 82,000 | 151,000 | 301,000 | 370,000 |
| Pretax income | 711,000 | 1,427,000 | 1,990,000 | 2,946,000 |
| Income tax | 199,000 | 401,000 | 546,000 | 751,000 |
| Net income | 512,000 | 1,026,000 | 1,444,000 | 2,195,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,816,000 | 19,280,000 | 19,474,000 | 19,584,000 |
| Total capital | 20,991,000 | 21,512,000 | 21,771,000 | 21,907,000 |
| Risk-weighted assets | 173,705,000 | 178,279,000 | 183,695,000 | 185,835,000 |