Call reports 2007
CITIZENS STATE BANK AT MOHALL, THE — 2007
What CITIZENS STATE BANK AT MOHALL, THE 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 | 33,942,000 | 37,069,000 | 35,739,000 | 38,719,000 |
| Total loans | 26,580,000 | 29,378,000 | 28,677,000 | 25,435,000 |
| Allowance for loan losses | 385,000 | 376,000 | 348,000 | 246,000 |
| Securities available for sale | 5,556,000 | 5,580,000 | 5,077,000 | 5,598,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,122,000 | 30,876,000 | 31,455,000 | 35,528,000 |
| Interest-bearing deposits | 27,223,000 | 26,645,000 | 26,546,000 | 28,150,000 |
| Noninterest-bearing deposits | 3,899,000 | 4,231,000 | 4,909,000 | 7,378,000 |
| Equity capital | 2,607,000 | 2,671,000 | 2,818,000 | 2,920,000 |
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 | 540,000 | 1,128,000 | 1,737,000 | 2,321,000 |
| Interest expense | 251,000 | 522,000 | 812,000 | 1,077,000 |
| Net interest income | 289,000 | 606,000 | 925,000 | 1,244,000 |
| Noninterest income | 19,000 | 39,000 | 61,000 | 87,000 |
| Noninterest expense | 190,000 | 383,000 | 561,000 | 790,000 |
| Provision for loan losses | 320,000 | 345,000 | 370,000 | 385,000 |
| Pretax income | -202,000 | -83,000 | 55,000 | 156,000 |
| Income tax | -14,000 | -6,000 | 4,000 | 11,000 |
| Net income | -188,000 | -77,000 | 51,000 | 145,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,617,000 | 2,678,000 | 2,806,000 | 2,900,000 |
| Total capital | 2,964,000 | 3,037,000 | 3,154,000 | 3,146,000 |
| Risk-weighted assets | 27,701,000 | 28,706,000 | 29,428,000 | 29,116,000 |