Call reports 2007
CITIZENS STATE BANK OF MILFORD — 2007
What CITIZENS STATE BANK OF MILFORD 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 | 39,853,000 | 39,283,000 | 42,241,000 | 43,352,000 |
| Total loans | 22,061,000 | 24,737,000 | 25,791,000 | 25,827,000 |
| Allowance for loan losses | 134,000 | 144,000 | 145,000 | 145,000 |
| Securities available for sale | 9,689,000 | 9,247,000 | 9,061,000 | 8,735,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,482,000 | 35,814,000 | 38,650,000 | 39,692,000 |
| Interest-bearing deposits | 30,587,000 | 30,349,000 | 31,519,000 | 32,087,000 |
| Noninterest-bearing deposits | 5,895,000 | 5,465,000 | 7,131,000 | 7,605,000 |
| Equity capital | 3,022,000 | 3,118,000 | 3,226,000 | 3,264,000 |
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 | 571,000 | 1,284,000 | 1,863,000 | 2,513,000 |
| Interest expense | 220,000 | 444,000 | 675,000 | 915,000 |
| Net interest income | 351,000 | 840,000 | 1,188,000 | 1,598,000 |
| Noninterest income | 57,000 | 118,000 | 206,000 | 274,000 |
| Noninterest expense | 335,000 | 668,000 | 1,029,000 | 1,448,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 73,000 | 290,000 | 365,000 | 424,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 73,000 | 290,000 | 365,000 | 424,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,122,000 | 3,278,000 | 3,293,000 | 3,252,000 |
| Total capital | 3,256,000 | 3,422,000 | 3,438,000 | 3,397,000 |
| Risk-weighted assets | 26,724,000 | 28,876,000 | 30,224,000 | 30,383,000 |
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