Call reports 2007
CITIZENS STATE BANK OF LOYAL — 2007
What CITIZENS STATE BANK OF LOYAL 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 | 116,034,000 | 122,258,000 | 122,678,000 | 127,076,000 |
| Total loans | 85,364,000 | 88,492,000 | 89,351,000 | 94,709,000 |
| Allowance for loan losses | 1,164,000 | 1,192,000 | 1,231,000 | 1,259,000 |
| Securities available for sale | 20,668,000 | 19,192,000 | 19,685,000 | 19,241,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,404,000 | 91,690,000 | 92,303,000 | 97,852,000 |
| Interest-bearing deposits | 74,672,000 | 79,703,000 | 80,451,000 | 82,179,000 |
| Noninterest-bearing deposits | 9,732,000 | 11,987,000 | 11,852,000 | 15,673,000 |
| Equity capital | 11,659,000 | 11,626,000 | 12,127,000 | 12,335,000 |
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 | 1,851,000 | 3,798,000 | 5,837,000 | 7,868,000 |
| Interest expense | 986,000 | 2,004,000 | 3,054,000 | 4,053,000 |
| Net interest income | 865,000 | 1,794,000 | 2,783,000 | 3,815,000 |
| Noninterest income | 273,000 | 484,000 | 657,000 | 850,000 |
| Noninterest expense | 780,000 | 1,449,000 | 2,140,000 | 2,972,000 |
| Provision for loan losses | 23,000 | 45,000 | 67,000 | 90,000 |
| Pretax income | 335,000 | 784,000 | 1,233,000 | 1,600,000 |
| Income tax | 72,000 | 193,000 | 306,000 | 335,000 |
| Net income | 263,000 | 591,000 | 927,000 | 1,265,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,555,000 | 11,683,000 | 12,019,000 | 12,157,000 |
| Total capital | 12,675,000 | 12,856,000 | 13,198,000 | 13,400,000 |
| Risk-weighted assets | 89,587,000 | 93,824,000 | 94,254,000 | 99,457,000 |
Machine access — free, no API key
Every figure shown here about CITIZENS STATE BANK OF LOYAL — 2007 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.