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 | 11,286,000 | 11,294,000 | 12,082,000 | 12,046,000 |
| Total loans | 8,030,000 | 8,640,000 | 9,326,000 | 8,266,000 |
| Allowance for loan losses | 81,000 | 81,000 | 82,000 | 82,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,600,000 | 1,600,000 | 1,600,000 | 1,250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,230,000 | 8,276,000 | 8,444,000 | 8,969,000 |
| Interest-bearing deposits | 7,567,000 | 7,675,000 | 7,777,000 | 8,176,000 |
| Noninterest-bearing deposits | 662,000 | 601,000 | 667,000 | 793,000 |
| Equity capital | 759,000 | 790,000 | 828,000 | 823,000 |
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 | 212,000 | 437,000 | 679,000 | 910,000 |
| Interest expense | 101,000 | 211,000 | 326,000 | 452,000 |
| Net interest income | 111,000 | 226,000 | 353,000 | 458,000 |
| Noninterest income | 23,000 | 51,000 | 82,000 | 115,000 |
| Noninterest expense | 109,000 | 215,000 | 324,000 | 491,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 25,000 | 62,000 | 111,000 | 82,000 |
| Income tax | 7,000 | 14,000 | 24,000 | 0 |
| Net income | 18,000 | 48,000 | 87,000 | 82,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 759,000 | 790,000 | 828,000 | 823,000 |
| Total capital | 832,000 | 868,000 | 905,000 | 905,000 |
| Risk-weighted assets | 5,876,000 | 6,468,000 | 6,645,000 | 6,612,000 |