Call reports 2005
CITIZENS STATE BANK OF LULING — 2005
What CITIZENS STATE BANK OF LULING reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 54,534,000 | 55,380,000 | 56,890,000 | 53,560,000 |
| Total loans | 32,510,000 | 33,443,000 | 35,310,000 | 36,856,000 |
| Allowance for loan losses | 548,000 | 548,000 | 514,000 | 561,000 |
| Securities available for sale | 11,317,000 | 11,832,000 | 11,651,000 | 10,473,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,584,000 | 49,247,000 | 50,627,000 | 47,469,000 |
| Interest-bearing deposits | 32,576,000 | 33,660,000 | 34,070,000 | 33,983,000 |
| Noninterest-bearing deposits | 16,008,000 | 15,587,000 | 16,557,000 | 13,486,000 |
| Equity capital | 5,737,000 | 5,878,000 | 6,028,000 | 5,864,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 689,000 | 1,399,000 | 2,160,000 | 3,000,000 |
| Interest expense | 89,000 | 197,000 | 331,000 | 485,000 |
| Net interest income | 600,000 | 1,202,000 | 1,829,000 | 2,515,000 |
| Noninterest income | 167,000 | 311,000 | 444,000 | 585,000 |
| Noninterest expense | 491,000 | 968,000 | 1,446,000 | 1,995,000 |
| Provision for loan losses | 55,000 | 105,000 | 153,000 | 200,000 |
| Pretax income | 221,000 | 440,000 | 674,000 | 901,000 |
| Income tax | 69,000 | 150,000 | 229,000 | 306,000 |
| Net income | 152,000 | 290,000 | 445,000 | 595,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,801,000 | 5,940,000 | 6,094,000 | 5,946,000 |
| Total capital | 6,243,000 | 6,393,000 | 6,566,000 | 6,425,000 |
| Risk-weighted assets | 35,259,000 | 36,122,000 | 37,682,000 | 38,219,000 |
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