Call reports 2007
CITIZENS STATE BANK, THE — 2007
What CITIZENS STATE BANK, 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 | 267,458,000 | 265,662,000 | 272,114,000 | 283,796,000 |
| Total loans | 224,244,000 | 224,101,000 | 220,209,000 | 226,207,000 |
| Allowance for loan losses | 2,856,000 | 3,093,000 | 3,187,000 | 2,839,000 |
| Securities available for sale | 31,181,000 | 29,410,000 | 32,324,000 | 35,866,000 |
| Securities held to maturity | 55,000 | 55,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,030,000 | 189,050,000 | 196,156,000 | 202,972,000 |
| Interest-bearing deposits | 173,720,000 | 175,167,000 | 179,454,000 | 181,295,000 |
| Noninterest-bearing deposits | 13,310,000 | 13,883,000 | 16,702,000 | 21,677,000 |
| Equity capital | 25,660,000 | 25,650,000 | 26,205,000 | 27,429,000 |
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 | 4,646,000 | 9,509,000 | 14,385,000 | 19,276,000 |
| Interest expense | 2,283,000 | 4,737,000 | 7,195,000 | 9,643,000 |
| Net interest income | 2,363,000 | 4,772,000 | 7,190,000 | 9,633,000 |
| Noninterest income | 140,000 | 269,000 | 414,000 | 556,000 |
| Noninterest expense | 895,000 | 1,774,000 | 2,597,000 | 3,576,000 |
| Provision for loan losses | 150,000 | 200,000 | 300,000 | 400,000 |
| Pretax income | 1,458,000 | 3,067,000 | 4,707,000 | 6,213,000 |
| Income tax | 60,000 | 120,000 | 180,000 | 250,000 |
| Net income | 1,398,000 | 2,947,000 | 4,527,000 | 5,963,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,222,000 | 24,498,000 | 24,675,000 | 25,545,000 |
| Total capital | 27,038,000 | 27,288,000 | 27,492,000 | 28,095,000 |
| Risk-weighted assets | 225,586,000 | 223,228,000 | 224,991,000 | 230,721,000 |
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