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 | 59,060,000 | 60,340,000 | 49,512,000 | 55,591,000 |
| Total loans | 16,861,000 | 16,346,000 | 14,473,000 | 12,992,000 |
| Allowance for loan losses | 313,000 | 263,000 | 249,000 | 267,000 |
| Securities available for sale | 0 | 0 | 0 | 24,842,000 |
| Securities held to maturity | 35,390,000 | 33,390,000 | 24,890,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,124,000 | 50,500,000 | 39,912,000 | 45,973,000 |
| Interest-bearing deposits | 39,750,000 | 43,229,000 | 32,590,000 | 39,069,000 |
| Noninterest-bearing deposits | 8,374,000 | 7,271,000 | 7,321,000 | 6,904,000 |
| Equity capital | 9,555,000 | 9,615,000 | 9,469,000 | 9,489,000 |
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 | 801,000 | 1,533,000 | 2,254,000 | 2,877,000 |
| Interest expense | 459,000 | 880,000 | 1,250,000 | 1,535,000 |
| Net interest income | 342,000 | 653,000 | 1,004,000 | 1,342,000 |
| Noninterest income | 89,000 | 159,000 | 219,000 | 250,000 |
| Noninterest expense | 295,000 | 599,000 | 896,000 | 1,191,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 55,000 |
| Pretax income | 121,000 | 183,000 | -6,000 | 58,000 |
| Income tax | 41,000 | 42,000 | 0 | 3,000 |
| Net income | 80,000 | 141,000 | -6,000 | 55,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,230,000 | 5,290,000 | 5,144,000 | 5,205,000 |
| Total capital | 5,506,000 | 5,553,000 | 5,378,000 | 5,442,000 |
| Risk-weighted assets | 22,060,000 | 22,160,000 | 18,681,000 | 18,915,000 |