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 | 72,163,000 | 72,061,000 | 72,204,000 | 75,232,000 |
| Total loans | 36,427,000 | 36,507,000 | 37,609,000 | 34,882,000 |
| Allowance for loan losses | 725,000 | 595,000 | 604,000 | 547,000 |
| Securities available for sale | 31,158,000 | 30,215,000 | 30,273,000 | 30,647,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,140,000 | 56,112,000 | 54,872,000 | 58,763,000 |
| Interest-bearing deposits | 48,899,000 | 49,709,000 | 48,148,000 | 51,090,000 |
| Noninterest-bearing deposits | 7,241,000 | 6,403,000 | 6,724,000 | 7,673,000 |
| Equity capital | 14,961,000 | 14,928,000 | 15,547,000 | 15,635,000 |
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 | 1,097,000 | 2,211,000 | 3,348,000 | 4,501,000 |
| Interest expense | 408,000 | 836,000 | 1,265,000 | 1,705,000 |
| Net interest income | 689,000 | 1,375,000 | 2,083,000 | 2,796,000 |
| Noninterest income | 80,000 | 163,000 | 246,000 | 340,000 |
| Noninterest expense | 385,000 | 782,000 | 1,173,000 | 1,672,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 373,000 | 747,000 | 1,148,000 | 1,461,000 |
| Income tax | 19,000 | 37,000 | 57,000 | 83,000 |
| Net income | 354,000 | 710,000 | 1,091,000 | 1,378,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,522,000 | 14,795,000 | 15,093,000 | 14,918,000 |
| Total capital | 15,072,000 | 15,346,000 | 15,655,000 | 15,465,000 |
| Risk-weighted assets | 43,817,000 | 44,042,000 | 44,916,000 | 43,289,000 |