Call reports 2007
CITIZENS STATE BANK OF NEW CASTLE — 2007
What CITIZENS STATE BANK OF NEW CASTLE 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 | 220,260,000 | 220,520,000 | 219,282,000 | 216,385,000 |
| Total loans | 108,216,000 | 109,429,000 | 111,036,000 | 110,237,000 |
| Allowance for loan losses | 1,194,000 | 1,231,000 | 1,236,000 | 1,239,000 |
| Securities available for sale | 51,508,000 | 58,791,000 | 57,851,000 | 58,117,000 |
| Securities held to maturity | 29,164,000 | 26,086,000 | 25,920,000 | 24,220,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,726,000 | 194,299,000 | 192,480,000 | 189,351,000 |
| Interest-bearing deposits | 185,495,000 | 186,212,000 | 184,509,000 | 178,313,000 |
| Noninterest-bearing deposits | 8,231,000 | 8,087,000 | 7,971,000 | 11,038,000 |
| Equity capital | 23,966,000 | 23,825,000 | 24,493,000 | 24,891,000 |
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 | 2,842,000 | 5,817,000 | 8,864,000 | 11,899,000 |
| Interest expense | 1,050,000 | 2,153,000 | 3,304,000 | 4,407,000 |
| Net interest income | 1,792,000 | 3,664,000 | 5,560,000 | 7,492,000 |
| Noninterest income | 668,000 | 1,373,000 | 2,083,000 | 2,858,000 |
| Noninterest expense | 1,689,000 | 3,383,000 | 5,080,000 | 6,804,000 |
| Provision for loan losses | 58,000 | 111,000 | 193,000 | 286,000 |
| Pretax income | 713,000 | 1,543,000 | 2,370,000 | 3,260,000 |
| Income tax | 194,000 | 438,000 | 666,000 | 978,000 |
| Net income | 519,000 | 1,105,000 | 1,704,000 | 2,282,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,424,000 | 24,676,000 | 24,916,000 | 25,089,000 |
| Total capital | 25,618,000 | 25,907,000 | 26,152,000 | 26,328,000 |
| Risk-weighted assets | 125,993,000 | 127,034,000 | 128,895,000 | 126,553,000 |