Call reports 2007
CITIZENS STATE BANK OF ROSEAU — 2007
What CITIZENS STATE BANK OF ROSEAU 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 | 147,285,000 | 149,129,000 | 152,023,000 | 154,811,000 |
| Total loans | 66,898,000 | 68,830,000 | 70,400,000 | 72,803,000 |
| Allowance for loan losses | 729,000 | 781,000 | 770,000 | 775,000 |
| Securities available for sale | 64,634,000 | 67,589,000 | 72,689,000 | 69,901,000 |
| Securities held to maturity | 1,443,000 | 1,449,000 | 949,000 | 949,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,983,000 | 121,957,000 | 123,461,000 | 126,280,000 |
| Interest-bearing deposits | 103,998,000 | 103,548,000 | 105,745,000 | 105,136,000 |
| Noninterest-bearing deposits | 15,985,000 | 18,409,000 | 17,716,000 | 21,144,000 |
| Equity capital | 19,295,000 | 19,058,000 | 19,982,000 | 20,495,000 |
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 | 2,140,000 | 4,403,000 | 6,691,000 | 8,985,000 |
| Interest expense | 997,000 | 2,065,000 | 3,181,000 | 4,295,000 |
| Net interest income | 1,143,000 | 2,338,000 | 3,510,000 | 4,690,000 |
| Noninterest income | 199,000 | 404,000 | 622,000 | 837,000 |
| Noninterest expense | 812,000 | 1,629,000 | 2,520,000 | 3,374,000 |
| Provision for loan losses | 5,000 | 9,000 | 14,000 | 25,000 |
| Pretax income | 525,000 | 1,104,000 | 1,599,000 | 2,134,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 2,000 |
| Net income | 524,000 | 1,103,000 | 1,598,000 | 2,132,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,669,000 | 19,823,000 | 20,118,000 | 20,402,000 |
| Total capital | 20,398,000 | 20,604,000 | 20,888,000 | 21,177,000 |
| Risk-weighted assets | 88,236,000 | 89,294,000 | 91,186,000 | 93,499,000 |