Call reports 2007
CITIZENS TRI-COUNTY BANK — 2007
What CITIZENS TRI-COUNTY 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 | 457,439,000 | 453,712,000 | 450,151,000 | 456,561,000 |
| Total loans | 296,003,000 | 299,737,000 | 300,073,000 | 302,681,000 |
| Allowance for loan losses | 3,071,000 | 3,471,000 | 3,303,000 | 3,508,000 |
| Securities available for sale | 96,094,000 | 95,189,000 | 102,972,000 | 100,992,000 |
| Securities held to maturity | 733,000 | 732,000 | 731,000 | 730,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 408,312,000 | 403,134,000 | 401,057,000 | 406,700,000 |
| Interest-bearing deposits | 343,077,000 | 338,764,000 | 340,643,000 | 346,488,000 |
| Noninterest-bearing deposits | 65,235,000 | 64,370,000 | 60,414,000 | 60,212,000 |
| Equity capital | 40,690,000 | 40,295,000 | 42,773,000 | 43,695,000 |
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 | 7,791,000 | 15,904,000 | 24,181,000 | 32,485,000 |
| Interest expense | 3,165,000 | 6,455,000 | 9,785,000 | 13,029,000 |
| Net interest income | 4,626,000 | 9,449,000 | 14,396,000 | 19,456,000 |
| Noninterest income | 1,502,000 | 3,238,000 | 5,017,000 | 6,849,000 |
| Noninterest expense | 3,549,000 | 7,100,000 | 10,781,000 | 14,482,000 |
| Provision for loan losses | 295,000 | 847,000 | 1,600,000 | 2,292,000 |
| Pretax income | 2,284,000 | 4,740,000 | 7,032,000 | 9,531,000 |
| Income tax | 161,000 | 328,000 | 484,000 | 665,000 |
| Net income | 2,123,000 | 4,412,000 | 6,548,000 | 8,866,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,580,000 | 34,634,000 | 35,735,000 | 36,518,000 |
| Total capital | 36,651,000 | 38,105,000 | 39,038,000 | 40,026,000 |
| Risk-weighted assets | 320,411,000 | 322,106,000 | 321,773,000 | 326,751,000 |