Call reports 2007
CITY STATE BANK OF PALACIOS, THE — 2007
What CITY STATE BANK OF PALACIOS, THE 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 | 41,235,000 | 42,277,000 | 44,881,000 | 42,713,000 |
| Total loans | 23,624,000 | 25,366,000 | 26,532,000 | 24,833,000 |
| Allowance for loan losses | 298,000 | 262,000 | 305,000 | 400,000 |
| Securities available for sale | 14,025,000 | 14,076,000 | 13,704,000 | 13,108,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,229,000 | 34,622,000 | 39,669,000 | 37,435,000 |
| Interest-bearing deposits | 26,636,000 | 25,506,000 | 28,539,000 | 25,820,000 |
| Noninterest-bearing deposits | 9,593,000 | 9,116,000 | 11,130,000 | 11,615,000 |
| Equity capital | 4,506,000 | 4,460,000 | 4,635,000 | 4,676,000 |
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 | 646,000 | 1,324,000 | 2,043,000 | 2,739,000 |
| Interest expense | 206,000 | 428,000 | 673,000 | 888,000 |
| Net interest income | 440,000 | 896,000 | 1,370,000 | 1,851,000 |
| Noninterest income | 75,000 | 150,000 | 284,000 | 364,000 |
| Noninterest expense | 458,000 | 912,000 | 1,390,000 | 1,824,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 142,000 |
| Pretax income | 44,000 | 121,000 | 201,000 | 236,000 |
| Income tax | 6,000 | 21,000 | 40,000 | 42,000 |
| Net income | 38,000 | 100,000 | 161,000 | 194,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,599,000 | 4,661,000 | 4,722,000 | 4,667,000 |
| Total capital | 4,846,000 | 4,923,000 | 4,961,000 | 4,885,000 |
| Risk-weighted assets | 19,675,000 | 21,011,000 | 19,086,000 | 19,458,000 |