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 | 199,549,000 | 201,285,000 | 203,727,000 | 200,155,000 |
| Total loans | 173,177,000 | 171,175,000 | 161,569,000 | 168,254,000 |
| Allowance for loan losses | 3,357,000 | 3,455,000 | 3,430,000 | 4,419,000 |
| Securities available for sale | 14,993,000 | 14,535,000 | 15,940,000 | 17,773,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,354,000 | 173,888,000 | 179,600,000 | 172,306,000 |
| Interest-bearing deposits | 145,179,000 | 150,334,000 | 156,585,000 | 147,662,000 |
| Noninterest-bearing deposits | 23,175,000 | 23,554,000 | 23,015,000 | 24,644,000 |
| Equity capital | 19,248,000 | 19,054,000 | 19,135,000 | 17,501,000 |
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 | 3,463,000 | 6,845,000 | 10,013,000 | 13,301,000 |
| Interest expense | 1,658,000 | 3,382,000 | 5,093,000 | 6,672,000 |
| Net interest income | 1,805,000 | 3,463,000 | 4,920,000 | 6,629,000 |
| Noninterest income | 537,000 | 1,072,000 | 1,495,000 | 2,006,000 |
| Noninterest expense | 1,836,000 | 3,653,000 | 5,379,000 | 7,237,000 |
| Provision for loan losses | 150,000 | 250,000 | 250,000 | 2,150,000 |
| Pretax income | 356,000 | 632,000 | 786,000 | -752,000 |
| Income tax | 8,000 | 16,000 | 24,000 | 31,000 |
| Net income | 348,000 | 616,000 | 762,000 | -783,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,645,000 | 18,658,000 | 18,528,000 | 16,755,000 |
| Total capital | 20,754,000 | 20,792,000 | 20,668,000 | 18,864,000 |
| Risk-weighted assets | 167,441,000 | 169,622,000 | 169,929,000 | 166,441,000 |