Call reports 2004
CITIZENS STATE BANK OF LULING — 2004
What CITIZENS STATE BANK OF LULING reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 51,376,000 | 52,472,000 | 51,965,000 | 51,009,000 |
| Total loans | 31,961,000 | 32,097,000 | 33,179,000 | 32,485,000 |
| Allowance for loan losses | 525,000 | 555,000 | 555,000 | 508,000 |
| Securities available for sale | 12,297,000 | 11,934,000 | 11,239,000 | 10,688,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,626,000 | 46,709,000 | 45,937,000 | 45,209,000 |
| Interest-bearing deposits | 34,749,000 | 35,127,000 | 34,149,000 | 32,530,000 |
| Noninterest-bearing deposits | 10,877,000 | 11,582,000 | 11,788,000 | 12,679,000 |
| Equity capital | 5,579,000 | 5,599,000 | 5,796,000 | 5,610,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 642,000 | 1,274,000 | 1,935,000 | 2,618,000 |
| Interest expense | 89,000 | 175,000 | 260,000 | 345,000 |
| Net interest income | 553,000 | 1,099,000 | 1,675,000 | 2,273,000 |
| Noninterest income | 155,000 | 303,000 | 461,000 | 637,000 |
| Noninterest expense | 461,000 | 917,000 | 1,378,000 | 1,897,000 |
| Provision for loan losses | 31,000 | 67,000 | 126,000 | 200,000 |
| Pretax income | 216,000 | 418,000 | 632,000 | 813,000 |
| Income tax | 67,000 | 142,000 | 215,000 | 276,000 |
| Net income | 149,000 | 276,000 | 417,000 | 537,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,536,000 | 5,664,000 | 5,805,000 | 5,650,000 |
| Total capital | 5,958,000 | 6,092,000 | 6,245,000 | 6,082,000 |
| Risk-weighted assets | 33,650,000 | 34,141,000 | 35,103,000 | 34,497,000 |
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