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 | 144,018,000 | 139,162,000 | 140,781,000 | 143,549,000 |
| Total loans | 58,333,000 | 60,540,000 | 60,954,000 | 60,857,000 |
| Allowance for loan losses | 415,000 | 444,000 | 448,000 | 441,000 |
| Securities available for sale | 66,437,000 | 67,750,000 | 69,062,000 | 74,332,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,587,000 | 120,068,000 | 120,711,000 | 123,047,000 |
| Interest-bearing deposits | 93,016,000 | 90,663,000 | 91,259,000 | 91,625,000 |
| Noninterest-bearing deposits | 31,571,000 | 29,405,000 | 29,452,000 | 31,422,000 |
| Equity capital | 14,022,000 | 13,376,000 | 14,742,000 | 14,824,000 |
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 | 1,995,000 | 4,035,000 | 6,099,000 | 8,168,000 |
| Interest expense | 783,000 | 1,582,000 | 2,400,000 | 3,194,000 |
| Net interest income | 1,212,000 | 2,453,000 | 3,699,000 | 4,974,000 |
| Noninterest income | 270,000 | 556,000 | 800,000 | 1,054,000 |
| Noninterest expense | 854,000 | 1,700,000 | 2,567,000 | 3,452,000 |
| Provision for loan losses | 11,000 | 42,000 | 67,000 | 74,000 |
| Pretax income | 617,000 | 1,267,000 | 1,865,000 | 2,532,000 |
| Income tax | 179,000 | 371,000 | 473,000 | 641,000 |
| Net income | 438,000 | 896,000 | 1,392,000 | 1,891,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,437,000 | 14,495,000 | 14,991,000 | 14,688,000 |
| Total capital | 14,852,000 | 14,939,000 | 15,439,000 | 15,129,000 |
| Risk-weighted assets | 70,642,000 | 71,958,000 | 71,673,000 | 71,488,000 |