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 | 58,216,000 | 61,340,000 | 61,809,000 | 63,352,000 |
| Total loans | 44,105,000 | 48,954,000 | 49,823,000 | 51,828,000 |
| Allowance for loan losses | 582,000 | 660,000 | 578,000 | 634,000 |
| Securities available for sale | 7,878,000 | 8,452,000 | 7,556,000 | 7,651,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,995,000 | 52,837,000 | 49,720,000 | 51,611,000 |
| Interest-bearing deposits | 40,627,000 | 42,882,000 | 41,386,000 | 43,699,000 |
| Noninterest-bearing deposits | 9,368,000 | 9,955,000 | 8,334,000 | 7,912,000 |
| Equity capital | 4,998,000 | 5,043,000 | 5,448,000 | 5,514,000 |
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 | 1,084,000 | 2,231,000 | 3,453,000 | 4,670,000 |
| Interest expense | 525,000 | 1,054,000 | 1,606,000 | 2,180,000 |
| Net interest income | 559,000 | 1,177,000 | 1,847,000 | 2,490,000 |
| Noninterest income | 74,000 | 159,000 | 237,000 | 341,000 |
| Noninterest expense | 524,000 | 1,060,000 | 1,567,000 | 2,160,000 |
| Provision for loan losses | 10,000 | 10,000 | 10,000 | 10,000 |
| Pretax income | 99,000 | 266,000 | 507,000 | 661,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 99,000 | 266,000 | 507,000 | 661,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,200,000 | 5,342,000 | 5,590,000 | 5,519,000 |
| Total capital | 5,751,000 | 5,945,000 | 6,168,000 | 6,155,000 |
| Risk-weighted assets | 44,084,000 | 48,452,000 | 49,155,000 | 50,886,000 |