Call reports 2006
CITIZENS STATE BANK OF LULING — 2006
What CITIZENS STATE BANK OF LULING reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 55,078,000 | 55,254,000 | 55,717,000 | 54,916,000 |
| Total loans | 35,853,000 | 37,190,000 | 36,746,000 | 37,420,000 |
| Allowance for loan losses | 613,000 | 632,000 | 680,000 | 443,000 |
| Securities available for sale | 8,915,000 | 9,013,000 | 9,043,000 | 7,812,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,792,000 | 48,898,000 | 49,054,000 | 48,652,000 |
| Interest-bearing deposits | 33,932,000 | 35,184,000 | 35,831,000 | 35,214,000 |
| Noninterest-bearing deposits | 14,860,000 | 13,714,000 | 13,223,000 | 13,438,000 |
| Equity capital | 6,044,000 | 6,169,000 | 6,412,000 | 6,101,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 816,000 | 1,659,000 | 2,553,000 | 3,463,000 |
| Interest expense | 168,000 | 368,000 | 596,000 | 839,000 |
| Net interest income | 648,000 | 1,291,000 | 1,957,000 | 2,624,000 |
| Noninterest income | 147,000 | 295,000 | 462,000 | 640,000 |
| Noninterest expense | 490,000 | 987,000 | 1,496,000 | 2,062,000 |
| Provision for loan losses | 55,000 | 100,000 | 154,000 | 485,000 |
| Pretax income | 250,000 | 499,000 | 769,000 | 717,000 |
| Income tax | 81,000 | 170,000 | 261,000 | 240,000 |
| Net income | 169,000 | 329,000 | 508,000 | 477,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,116,000 | 6,275,000 | 6,454,000 | 6,123,000 |
| Total capital | 6,596,000 | 6,758,000 | 6,936,000 | 6,566,000 |
| Risk-weighted assets | 37,628,000 | 38,493,000 | 38,350,000 | 38,752,000 |
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