Call reports 2007
CITIZENS EXCHANGE BANK, THE — 2007
What CITIZENS EXCHANGE BANK, THE 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 | 51,271,000 | 52,639,000 | 53,015,000 | 56,511,000 |
| Total loans | 25,816,000 | 26,015,000 | 25,874,000 | 26,142,000 |
| Allowance for loan losses | 590,000 | 504,000 | 497,000 | 507,000 |
| Securities available for sale | 14,837,000 | 14,708,000 | 17,971,000 | 17,184,000 |
| Securities held to maturity | 2,939,000 | 2,939,000 | 2,879,000 | 3,074,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,455,000 | 45,778,000 | 45,839,000 | 49,158,000 |
| Interest-bearing deposits | 37,509,000 | 38,259,000 | 38,103,000 | 39,728,000 |
| Noninterest-bearing deposits | 6,946,000 | 7,519,000 | 7,736,000 | 9,430,000 |
| Equity capital | 6,547,000 | 6,530,000 | 6,740,000 | 6,971,000 |
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 | 766,000 | 1,541,000 | 2,344,000 | 3,177,000 |
| Interest expense | 310,000 | 631,000 | 960,000 | 1,288,000 |
| Net interest income | 456,000 | 910,000 | 1,384,000 | 1,889,000 |
| Noninterest income | 58,000 | 112,000 | 169,000 | 224,000 |
| Noninterest expense | 378,000 | 801,000 | 1,251,000 | 1,725,000 |
| Provision for loan losses | 48,000 | 48,000 | 48,000 | 48,000 |
| Pretax income | 88,000 | 173,000 | 254,000 | 340,000 |
| Income tax | 24,000 | 47,000 | 71,000 | 52,000 |
| Net income | 64,000 | 126,000 | 183,000 | 288,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,573,000 | 6,635,000 | 6,692,000 | 6,798,000 |
| Total capital | 6,906,000 | 6,973,000 | 7,029,000 | 7,146,000 |
| Risk-weighted assets | 26,377,000 | 26,879,000 | 26,813,000 | 27,689,000 |