Call reports 2007
CITIZENS CITY AND COUNTY BANK — 2007
What CITIZENS CITY AND COUNTY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 |
|---|---|---|
| Total assets | 30,050,000 | 29,879,000 |
| Total loans | 17,990,000 | 20,312,000 |
| Allowance for loan losses | 303,000 | 299,000 |
| Securities available for sale | 3,021,000 | 2,992,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 25,073,000 | 25,012,000 |
| Interest-bearing deposits | 23,002,000 | 23,071,000 |
| Noninterest-bearing deposits | 2,071,000 | 1,941,000 |
| Equity capital | 4,374,000 | 4,298,000 |
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 |
|---|---|---|
| Interest income | 495,000 | 1,020,000 |
| Interest expense | 223,000 | 451,000 |
| Net interest income | 272,000 | 569,000 |
| Noninterest income | 97,000 | 191,000 |
| Noninterest expense | 296,000 | 576,000 |
| Provision for loan losses | 15,000 | 30,000 |
| Pretax income | 58,000 | 154,000 |
| Income tax | 6,000 | 6,000 |
| Net income | 52,000 | 148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 |
|---|---|---|
| Tier 1 capital | 3,598,000 | 3,542,000 |
| Total capital | 3,849,000 | 3,814,000 |
| Risk-weighted assets | 20,047,000 | 21,704,000 |