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 | 72,509,000 | 71,833,000 | 74,409,000 | 75,957,000 |
| Total loans | 60,932,000 | 63,067,000 | 60,987,000 | 62,206,000 |
| Allowance for loan losses | 401,000 | 405,000 | 408,000 | 412,000 |
| Securities available for sale | 1,892,000 | 1,708,000 | 1,717,000 | 1,655,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,833,000 | 53,175,000 | 55,995,000 | 59,100,000 |
| Interest-bearing deposits | 46,883,000 | 47,158,000 | 50,379,000 | 52,363,000 |
| Noninterest-bearing deposits | 5,950,000 | 6,017,000 | 5,616,000 | 6,737,000 |
| Equity capital | 8,078,000 | 8,222,000 | 8,520,000 | 8,694,000 |
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 | 1,106,000 | 2,326,000 | 3,578,000 | 4,842,000 |
| Interest expense | 553,000 | 1,154,000 | 1,778,000 | 2,406,000 |
| Net interest income | 553,000 | 1,172,000 | 1,800,000 | 2,436,000 |
| Noninterest income | 95,000 | 245,000 | 458,000 | 653,000 |
| Noninterest expense | 498,000 | 1,027,000 | 1,562,000 | 2,130,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 150,000 | 390,000 | 696,000 | 959,000 |
| Income tax | 52,000 | 143,000 | 256,000 | 353,000 |
| Net income | 98,000 | 247,000 | 440,000 | 606,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,731,000 | 5,884,000 | 6,181,000 | 6,351,000 |
| Total capital | 6,132,000 | 6,289,000 | 6,589,000 | 6,763,000 |
| Risk-weighted assets | 61,292,000 | 62,877,000 | 64,024,000 | 65,773,000 |