Call reports 2007
CITIZENS STATE BANK — 2007
What CITIZENS STATE 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 | 103,176,000 | 100,039,000 | 102,579,000 | 102,483,000 |
| Total loans | 75,959,000 | 73,351,000 | 74,368,000 | 75,321,000 |
| Allowance for loan losses | 1,064,000 | 1,094,000 | 1,125,000 | 1,117,000 |
| Securities available for sale | 21,646,000 | 20,990,000 | 21,312,000 | 20,760,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,512,000 | 82,269,000 | 84,819,000 | 78,545,000 |
| Interest-bearing deposits | 72,134,000 | 71,726,000 | 73,319,000 | 67,143,000 |
| Noninterest-bearing deposits | 11,378,000 | 10,543,000 | 11,500,000 | 11,402,000 |
| Equity capital | 9,564,000 | 9,615,000 | 9,984,000 | 10,322,000 |
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 | 1,655,000 | 3,307,000 | 4,956,000 | 6,609,000 |
| Interest expense | 783,000 | 1,565,000 | 2,335,000 | 3,076,000 |
| Net interest income | 872,000 | 1,742,000 | 2,621,000 | 3,533,000 |
| Noninterest income | 106,000 | 263,000 | 426,000 | 580,000 |
| Noninterest expense | 681,000 | 1,332,000 | 2,000,000 | 2,685,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 90,000 |
| Pretax income | 245,000 | 591,000 | 935,000 | 1,313,000 |
| Income tax | 48,000 | 147,000 | 258,000 | 365,000 |
| Net income | 197,000 | 444,000 | 677,000 | 948,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,636,000 | 9,833,000 | 10,017,000 | 10,238,000 |
| Total capital | 10,639,000 | 10,813,000 | 10,968,000 | 11,256,000 |
| Risk-weighted assets | 80,208,000 | 78,246,000 | 75,869,000 | 81,374,000 |