Call reports 2007
CITY STATE BANK — 2007
What CITY 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 | 170,634,000 | 176,587,000 | 174,759,000 | 178,285,000 |
| Total loans | 121,836,000 | 123,893,000 | 126,226,000 | 129,451,000 |
| Allowance for loan losses | 1,324,000 | 1,327,000 | 1,340,000 | 1,254,000 |
| Securities available for sale | 28,845,000 | 33,218,000 | 34,606,000 | 35,169,000 |
| Securities held to maturity | 2,201,000 | 1,721,000 | 1,721,000 | 1,660,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,380,000 | 154,301,000 | 151,012,000 | 153,257,000 |
| Interest-bearing deposits | 115,915,000 | 129,465,000 | 128,713,000 | 128,710,000 |
| Noninterest-bearing deposits | 33,465,000 | 24,836,000 | 22,300,000 | 24,547,000 |
| Equity capital | 14,898,000 | 14,695,000 | 15,077,000 | 15,503,000 |
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 | 2,635,000 | 5,345,000 | 8,093,000 | 10,821,000 |
| Interest expense | 1,266,000 | 2,588,000 | 3,935,000 | 5,267,000 |
| Net interest income | 1,369,000 | 2,757,000 | 4,158,000 | 5,554,000 |
| Noninterest income | 429,000 | 917,000 | 1,371,000 | 1,911,000 |
| Noninterest expense | 1,258,000 | 2,702,000 | 4,117,000 | 5,544,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 190,000 |
| Pretax income | 540,000 | 972,000 | 1,399,000 | 1,733,000 |
| Income tax | 22,000 | 44,000 | 64,000 | 86,000 |
| Net income | 518,000 | 928,000 | 1,335,000 | 1,647,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,101,000 | 14,152,000 | 14,385,000 | 14,347,000 |
| Total capital | 15,425,000 | 15,479,000 | 15,725,000 | 15,601,000 |
| Risk-weighted assets | 124,657,000 | 133,260,000 | 132,590,000 | 135,288,000 |