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 | 93,944,000 | 92,609,000 | 96,802,000 | 113,802,000 |
| Total loans | 48,458,000 | 55,656,000 | 59,498,000 | 54,362,000 |
| Allowance for loan losses | 1,256,000 | 1,256,000 | 1,256,000 | 1,255,000 |
| Securities available for sale | 29,204,000 | 29,190,000 | 28,294,000 | 32,944,000 |
| Securities held to maturity | 1,167,000 | 1,159,000 | 1,152,000 | 1,146,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,567,000 | 81,136,000 | 82,141,000 | 101,232,000 |
| Interest-bearing deposits | 67,019,000 | 66,849,000 | 64,635,000 | 80,827,000 |
| Noninterest-bearing deposits | 15,548,000 | 14,287,000 | 17,506,000 | 20,405,000 |
| Equity capital | 10,932,000 | 11,115,000 | 11,673,000 | 12,151,000 |
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 | 1,532,000 | 3,118,000 | 4,747,000 | 6,365,000 |
| Interest expense | 527,000 | 1,063,000 | 1,548,000 | 1,994,000 |
| Net interest income | 1,005,000 | 2,055,000 | 3,199,000 | 4,371,000 |
| Noninterest income | 75,000 | 196,000 | 282,000 | 430,000 |
| Noninterest expense | 749,000 | 1,470,000 | 2,192,000 | 2,906,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 331,000 | 781,000 | 1,289,000 | 1,895,000 |
| Income tax | 90,000 | 242,000 | 405,000 | 604,000 |
| Net income | 241,000 | 539,000 | 884,000 | 1,291,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,115,000 | 11,412,000 | 11,757,000 | 12,165,000 |
| Total capital | 11,876,000 | 12,257,000 | 12,655,000 | 13,056,000 |
| Risk-weighted assets | 60,410,000 | 67,212,000 | 71,513,000 | 70,955,000 |