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 | 18,071,000 | 18,269,000 | 19,254,000 | 18,783,000 |
| Total loans | 17,023,000 | 16,547,000 | 17,604,000 | 17,491,000 |
| Allowance for loan losses | 247,000 | 264,000 | 276,000 | 278,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,191,000 | 14,877,000 | 14,669,000 | 15,350,000 |
| Interest-bearing deposits | 10,566,000 | 10,995,000 | 11,209,000 | 11,149,000 |
| Noninterest-bearing deposits | 3,625,000 | 3,882,000 | 3,460,000 | 4,201,000 |
| Equity capital | 1,592,000 | 1,622,000 | 1,705,000 | 1,624,000 |
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 | 334,000 | 673,000 | 1,019,000 | 1,377,000 |
| Interest expense | 150,000 | 305,000 | 453,000 | 606,000 |
| Net interest income | 184,000 | 368,000 | 566,000 | 771,000 |
| Noninterest income | 36,000 | 73,000 | 110,000 | 146,000 |
| Noninterest expense | 141,000 | 280,000 | 389,000 | 561,000 |
| Provision for loan losses | 18,000 | 36,000 | 48,000 | 57,000 |
| Pretax income | 61,000 | 125,000 | 239,000 | 299,000 |
| Income tax | 0 | 3,000 | 5,000 | 6,000 |
| Net income | 61,000 | 122,000 | 234,000 | 293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,592,000 | 1,622,000 | 1,705,000 | 1,624,000 |
| Total capital | 1,803,000 | 1,831,000 | 1,928,000 | 1,845,000 |
| Risk-weighted assets | 16,899,000 | 16,654,000 | 17,822,000 | 17,607,000 |