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 | 58,457,000 | 59,279,000 | 63,764,000 | 63,310,000 |
| Total loans | 40,571,000 | 43,533,000 | 45,817,000 | 46,430,000 |
| Allowance for loan losses | 667,000 | 700,000 | 721,000 | 757,000 |
| Securities available for sale | 7,191,000 | 5,138,000 | 4,186,000 | 4,212,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,350,000 | 51,250,000 | 55,606,000 | 54,629,000 |
| Interest-bearing deposits | 40,913,000 | 40,644,000 | 45,676,000 | 45,540,000 |
| Noninterest-bearing deposits | 9,437,000 | 10,606,000 | 9,930,000 | 9,089,000 |
| Equity capital | 7,413,000 | 7,547,000 | 7,717,000 | 7,553,000 |
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 | 1,226,000 | 2,417,000 | 3,675,000 | 4,893,000 |
| Interest expense | 500,000 | 976,000 | 1,493,000 | 2,044,000 |
| Net interest income | 726,000 | 1,441,000 | 2,182,000 | 2,849,000 |
| Noninterest income | 100,000 | 225,000 | 327,000 | 455,000 |
| Noninterest expense | 568,000 | 1,134,000 | 1,740,000 | 2,397,000 |
| Provision for loan losses | 39,000 | 78,000 | 117,000 | 156,000 |
| Pretax income | 219,000 | 453,000 | 651,000 | 750,000 |
| Income tax | 74,000 | 153,000 | 218,000 | 231,000 |
| Net income | 145,000 | 300,000 | 433,000 | 519,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,454,000 | 6,609,000 | 6,742,000 | 6,556,000 |
| Total capital | 7,994,000 | 7,185,000 | 7,360,000 | 7,188,000 |
| Risk-weighted assets | 43,099,000 | 45,988,000 | 49,361,000 | 50,401,000 |