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 | 23,360,000 | 24,124,000 | 25,556,000 | 26,579,000 |
| Total loans | 18,195,000 | 19,376,000 | 18,843,000 | 18,365,000 |
| Allowance for loan losses | 363,000 | 363,000 | 353,000 | 332,000 |
| Securities available for sale | 1,623,000 | 1,857,000 | 2,490,000 | 2,568,000 |
| Securities held to maturity | 318,000 | 418,000 | 378,000 | 477,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,861,000 | 20,652,000 | 21,979,000 | 23,041,000 |
| Interest-bearing deposits | 17,225,000 | 16,783,000 | 17,892,000 | 19,010,000 |
| Noninterest-bearing deposits | 3,636,000 | 3,869,000 | 4,087,000 | 4,031,000 |
| Equity capital | 2,446,000 | 2,405,000 | 2,504,000 | 2,483,000 |
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 | 397,000 | 813,000 | 1,254,000 | 1,698,000 |
| Interest expense | 153,000 | 311,000 | 479,000 | 652,000 |
| Net interest income | 244,000 | 502,000 | 775,000 | 1,046,000 |
| Noninterest income | 50,000 | 95,000 | 147,000 | 219,000 |
| Noninterest expense | 226,000 | 457,000 | 704,000 | 1,082,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 68,000 | 140,000 | 218,000 | 183,000 |
| Income tax | 3,000 | 5,000 | 8,000 | 7,000 |
| Net income | 65,000 | 135,000 | 210,000 | 176,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,444,000 | 2,414,000 | 2,496,000 | 2,462,000 |
| Total capital | 2,641,000 | 2,628,000 | 2,710,000 | 2,674,000 |
| Risk-weighted assets | 15,793,000 | 16,944,000 | 16,997,000 | 16,802,000 |