Call reports 2007
CITIZENS STATE BANK AND TRUST CO., ELLSWORTH, KANSAS — 2007
What CITIZENS STATE BANK AND TRUST CO., ELLSWORTH, KANSAS 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 | 59,304,000 | 62,583,000 | 61,730,000 | 67,139,000 |
| Total loans | 35,170,000 | 36,562,000 | 34,435,000 | 35,804,000 |
| Allowance for loan losses | 824,000 | 828,000 | 824,000 | 827,000 |
| Securities available for sale | 19,364,000 | 20,200,000 | 23,409,000 | 22,403,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,847,000 | 51,158,000 | 50,387,000 | 55,580,000 |
| Interest-bearing deposits | 39,840,000 | 41,668,000 | 40,170,000 | 45,053,000 |
| Noninterest-bearing deposits | 9,007,000 | 9,490,000 | 10,217,000 | 10,527,000 |
| Equity capital | 5,418,000 | 5,356,000 | 5,687,000 | 5,900,000 |
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 | 912,000 | 1,879,000 | 2,864,000 | 3,833,000 |
| Interest expense | 339,000 | 721,000 | 1,123,000 | 1,551,000 |
| Net interest income | 573,000 | 1,158,000 | 1,741,000 | 2,282,000 |
| Noninterest income | 154,000 | 311,000 | 472,000 | 650,000 |
| Noninterest expense | 516,000 | 1,024,000 | 1,521,000 | 2,049,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 211,000 | 445,000 | 692,000 | 889,000 |
| Income tax | 5,000 | 16,000 | 26,000 | 32,000 |
| Net income | 206,000 | 429,000 | 666,000 | 857,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,672,000 | 5,717,000 | 5,777,000 | 5,788,000 |
| Total capital | 6,124,000 | 6,190,000 | 6,222,000 | 6,258,000 |
| Risk-weighted assets | 36,102,000 | 39,368,000 | 37,055,000 | 39,116,000 |