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 | 8,423,000 | 9,512,000 | 9,044,000 | 10,326,000 |
| Total loans | 6,601,000 | 7,304,000 | 7,455,000 | 6,466,000 |
| Allowance for loan losses | 91,000 | 91,000 | 91,000 | 91,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 372,000 | 270,000 | 168,000 | 168,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 7,442,000 | 8,594,000 | 8,041,000 | 9,439,000 |
| Interest-bearing deposits | 6,091,000 | 5,945,000 | 6,184,000 | 6,144,000 |
| Noninterest-bearing deposits | 1,351,000 | 2,649,000 | 1,857,000 | 3,295,000 |
| Equity capital | 934,000 | 871,000 | 955,000 | 835,000 |
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 | 175,000 | 357,000 | 549,000 | 740,000 |
| Interest expense | 48,000 | 97,000 | 146,000 | 198,000 |
| Net interest income | 127,000 | 260,000 | 403,000 | 542,000 |
| Noninterest income | 6,000 | 10,000 | 14,000 | 18,000 |
| Noninterest expense | 67,000 | 140,000 | 199,000 | 274,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 66,000 | 130,000 | 218,000 | 286,000 |
| Income tax | 3,000 | 5,000 | 9,000 | 12,000 |
| Net income | 63,000 | 125,000 | 209,000 | 274,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 934,000 | 871,000 | 955,000 | 835,000 |
| Total capital | 998,000 | 943,000 | 1,030,000 | 911,000 |
| Risk-weighted assets | 5,126,000 | 5,778,000 | 5,951,000 | 6,165,000 |