Call reports 2007
CITIZENS STATE BANK OF LANKIN — 2007
What CITIZENS STATE BANK OF LANKIN 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 | 57,937,000 | 50,529,000 | 42,703,000 | 40,916,000 |
| Total loans | 38,149,000 | 36,497,000 | 33,800,000 | 31,162,000 |
| Allowance for loan losses | 1,031,000 | 2,187,000 | 2,248,000 | 1,414,000 |
| Securities available for sale | 6,833,000 | 6,191,000 | 6,320,000 | 6,433,000 |
| Securities held to maturity | 27,000 | 27,000 | 27,000 | 25,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,957,000 | 46,890,000 | 39,013,000 | 35,184,000 |
| Interest-bearing deposits | 48,577,000 | 43,156,000 | 35,027,000 | 30,328,000 |
| Noninterest-bearing deposits | 4,380,000 | 3,734,000 | 3,986,000 | 4,856,000 |
| Equity capital | 4,456,000 | 3,171,000 | 3,332,000 | 3,538,000 |
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 | 983,000 | 1,912,000 | 2,762,000 | 3,460,000 |
| Interest expense | 540,000 | 1,054,000 | 1,494,000 | 1,806,000 |
| Net interest income | 443,000 | 858,000 | 1,268,000 | 1,654,000 |
| Noninterest income | 32,000 | 68,000 | 115,000 | 184,000 |
| Noninterest expense | 411,000 | 826,000 | 1,246,000 | 1,601,000 |
| Provision for loan losses | 300,000 | 1,500,000 | 1,500,000 | 1,500,000 |
| Pretax income | -236,000 | -1,400,000 | -1,363,000 | -1,263,000 |
| Income tax | 4,000 | 0 | 0 | 0 |
| Net income | -240,000 | -1,400,000 | -1,363,000 | -1,263,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,522,000 | 3,363,000 | 3,400,000 | 3,499,000 |
| Total capital | 5,074,000 | 3,877,000 | 3,872,000 | 3,940,000 |
| Risk-weighted assets | 43,687,000 | 39,439,000 | 36,018,000 | 34,274,000 |