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 | 120,492,000 | 120,949,000 | 119,269,000 | 125,242,000 |
| Total loans | 51,499,000 | 54,639,000 | 56,206,000 | 59,310,000 |
| Allowance for loan losses | 805,000 | 800,000 | 927,000 | 869,000 |
| Securities available for sale | 52,453,000 | 55,585,000 | 51,886,000 | 53,328,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,267,000 | 101,860,000 | 104,330,000 | 108,109,000 |
| Interest-bearing deposits | 84,903,000 | 81,448,000 | 85,263,000 | 87,306,000 |
| Noninterest-bearing deposits | 21,364,000 | 20,412,000 | 19,067,000 | 20,803,000 |
| Equity capital | 10,338,000 | 9,932,000 | 10,222,000 | 10,532,000 |
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 | 1,783,000 | 3,598,000 | 5,529,000 | 7,473,000 |
| Interest expense | 711,000 | 1,428,000 | 2,201,000 | 2,900,000 |
| Net interest income | 1,072,000 | 2,170,000 | 3,328,000 | 4,573,000 |
| Noninterest income | 2,000,000 | 4,026,000 | 5,820,000 | 7,657,000 |
| Noninterest expense | 3,114,000 | 6,082,000 | 9,023,000 | 11,993,000 |
| Provision for loan losses | 91,000 | 185,000 | 279,000 | 395,000 |
| Pretax income | -133,000 | -71,000 | -180,000 | -191,000 |
| Income tax | -85,000 | -93,000 | -134,000 | -147,000 |
| Net income | -48,000 | 22,000 | -46,000 | -44,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,571,000 | 9,648,000 | 9,581,000 | 9,563,000 |
| Total capital | 10,376,000 | 10,448,000 | 10,459,000 | 10,432,000 |
| Risk-weighted assets | 70,013,000 | 67,685,000 | 70,187,000 | 74,779,000 |