Call reports 2007
CITIZENS 1ST BANK — 2007
What CITIZENS 1ST 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 | 579,064,000 | 569,062,000 | 572,433,000 | 583,704,000 |
| Total loans | 254,991,000 | 259,840,000 | 261,968,000 | 263,353,000 |
| Allowance for loan losses | 489,000 | 490,000 | 487,000 | 484,000 |
| Securities available for sale | 296,145,000 | 286,079,000 | 281,335,000 | 289,338,000 |
| Securities held to maturity | 469,000 | 469,000 | 469,000 | 469,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 306,984,000 | 301,513,000 | 320,861,000 | 333,394,000 |
| Interest-bearing deposits | 276,404,000 | 276,078,000 | 291,250,000 | 303,167,000 |
| Noninterest-bearing deposits | 30,580,000 | 25,435,000 | 29,611,000 | 30,227,000 |
| Equity capital | 87,973,000 | 84,121,000 | 76,732,000 | 82,355,000 |
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 | 8,680,000 | 17,412,000 | 26,263,000 | 35,000,000 |
| Interest expense | 5,276,000 | 10,568,000 | 15,999,000 | 21,359,000 |
| Net interest income | 3,404,000 | 6,844,000 | 10,264,000 | 13,641,000 |
| Noninterest income | 226,000 | 427,000 | 612,000 | 809,000 |
| Noninterest expense | 1,355,000 | 2,650,000 | 3,983,000 | 5,670,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,359,000 | 4,706,000 | 6,974,000 | 8,865,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,359,000 | 4,706,000 | 6,974,000 | 8,865,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 89,602,000 | 91,496,000 | 79,766,000 | 81,597,000 |
| Total capital | 90,091,000 | 91,986,000 | 80,253,000 | 82,081,000 |
| Risk-weighted assets | 261,214,000 | 256,884,000 | 260,965,000 | 269,864,000 |