Call reports 2007
CITIZENS STATE BANK OF POMONA, THE — 2007
What CITIZENS STATE BANK OF POMONA, 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 | 25,092,000 | 24,706,000 | 24,228,000 | 23,376,000 |
| Total loans | 17,917,000 | 18,715,000 | 18,434,000 | 18,124,000 |
| Allowance for loan losses | 161,000 | 168,000 | 182,000 | 169,000 |
| Securities available for sale | 3,709,000 | 2,988,000 | 3,234,000 | 3,449,000 |
| Securities held to maturity | 398,000 | 1,094,000 | 1,095,000 | 400,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,926,000 | 22,414,000 | 21,448,000 | 20,943,000 |
| Interest-bearing deposits | 20,624,000 | 19,918,000 | 19,290,000 | 18,887,000 |
| Noninterest-bearing deposits | 2,302,000 | 2,496,000 | 2,158,000 | 2,056,000 |
| Equity capital | 1,997,000 | 2,038,000 | 2,079,000 | 2,098,000 |
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 | 430,000 | 849,000 | 1,309,000 | 1,739,000 |
| Interest expense | 184,000 | 392,000 | 591,000 | 772,000 |
| Net interest income | 246,000 | 457,000 | 718,000 | 967,000 |
| Noninterest income | 65,000 | 143,000 | 219,000 | 329,000 |
| Noninterest expense | 221,000 | 436,000 | 687,000 | 957,000 |
| Provision for loan losses | 29,000 | 60,000 | 100,000 | 171,000 |
| Pretax income | 65,000 | 118,000 | 168,000 | 200,000 |
| Income tax | 22,000 | 40,000 | 56,000 | 65,000 |
| Net income | 43,000 | 78,000 | 112,000 | 135,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,000,000 | 2,039,000 | 2,072,000 | 2,095,000 |
| Total capital | 2,161,000 | 2,207,000 | 2,254,000 | 2,264,000 |
| Risk-weighted assets | 17,165,000 | 17,207,000 | 17,454,000 | 16,917,000 |