Call reports 2007
CITIZENS STATE BANK OF SHAKOPEE — 2007
What CITIZENS STATE BANK OF SHAKOPEE 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 | 23,186,000 | 23,076,000 | 24,164,000 | 25,192,000 |
| Total loans | 10,195,000 | 10,192,000 | 9,931,000 | 9,662,000 |
| Allowance for loan losses | 251,000 | 262,000 | 236,000 | 265,000 |
| Securities available for sale | 4,547,000 | 4,937,000 | 4,976,000 | 8,021,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,886,000 | 19,754,000 | 20,792,000 | 21,862,000 |
| Interest-bearing deposits | 15,544,000 | 15,427,000 | 16,573,000 | 17,661,000 |
| Noninterest-bearing deposits | 4,342,000 | 4,327,000 | 4,219,000 | 4,201,000 |
| Equity capital | 2,430,000 | 2,453,000 | 2,469,000 | 2,501,000 |
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 | 285,000 | 606,000 | 929,000 | 1,259,000 |
| Interest expense | 95,000 | 198,000 | 307,000 | 414,000 |
| Net interest income | 190,000 | 408,000 | 622,000 | 845,000 |
| Noninterest income | 40,000 | 83,000 | 128,000 | 163,000 |
| Noninterest expense | 228,000 | 448,000 | 698,000 | 919,000 |
| Provision for loan losses | 59,000 | 71,000 | 83,000 | 114,000 |
| Pretax income | -57,000 | -28,000 | -31,000 | -25,000 |
| Income tax | 0 | 1,000 | 0 | 0 |
| Net income | -57,000 | -29,000 | -31,000 | -25,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,444,000 | 2,473,000 | 2,471,000 | 2,476,000 |
| Total capital | 2,614,000 | 2,636,000 | 2,637,000 | 2,641,000 |
| Risk-weighted assets | 13,479,000 | 12,928,000 | 13,209,000 | 13,112,000 |