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 | 158,766,000 | 160,460,000 | 159,884,000 | 167,999,000 |
| Total loans | 110,764,000 | 109,705,000 | 110,523,000 | 107,005,000 |
| Allowance for loan losses | 1,295,000 | 1,575,000 | 1,628,000 | 1,339,000 |
| Securities available for sale | 36,506,000 | 36,102,000 | 37,726,000 | 42,035,000 |
| Securities held to maturity | 350,000 | 350,000 | 350,000 | 350,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,987,000 | 135,676,000 | 135,242,000 | 142,106,000 |
| Interest-bearing deposits | 123,159,000 | 123,142,000 | 123,720,000 | 126,318,000 |
| Noninterest-bearing deposits | 11,828,000 | 12,534,000 | 11,522,000 | 15,789,000 |
| Equity capital | 15,298,000 | 14,700,000 | 15,503,000 | 16,411,000 |
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 | 2,476,000 | 5,031,000 | 7,653,000 | 10,251,000 |
| Interest expense | 1,237,000 | 2,536,000 | 3,882,000 | 5,219,000 |
| Net interest income | 1,239,000 | 2,495,000 | 3,771,000 | 5,032,000 |
| Noninterest income | 145,000 | 382,000 | 542,000 | 725,000 |
| Noninterest expense | 835,000 | 1,640,000 | 2,510,000 | 3,408,000 |
| Provision for loan losses | 60,000 | 347,000 | 407,000 | 467,000 |
| Pretax income | 489,000 | 890,000 | 1,396,000 | 1,894,000 |
| Income tax | 5,000 | 8,000 | 13,000 | -20,000 |
| Net income | 484,000 | 882,000 | 1,383,000 | 1,914,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,502,000 | 13,356,000 | 13,656,000 | 14,188,000 |
| Total capital | 14,797,000 | 14,919,000 | 15,204,000 | 15,527,000 |
| Risk-weighted assets | 126,265,000 | 125,037,000 | 123,770,000 | 123,437,000 |