Call reports 2007
CITIZENS STATE BANK OF LULING — 2007
What CITIZENS STATE BANK OF LULING 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 | 56,200,000 | 54,795,000 | 55,851,000 | 55,566,000 |
| Total loans | 35,020,000 | 38,059,000 | 33,907,000 | 33,672,000 |
| Allowance for loan losses | 599,000 | 823,000 | 675,000 | 591,000 |
| Securities available for sale | 8,287,000 | 7,658,000 | 7,171,000 | 6,128,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,917,000 | 48,527,000 | 49,240,000 | 49,185,000 |
| Interest-bearing deposits | 35,322,000 | 35,548,000 | 35,577,000 | 35,040,000 |
| Noninterest-bearing deposits | 14,595,000 | 12,979,000 | 13,663,000 | 14,145,000 |
| Equity capital | 6,094,000 | 6,076,000 | 6,441,000 | 6,248,000 |
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 | 906,000 | 1,848,000 | 2,777,000 | 3,596,000 |
| Interest expense | 255,000 | 519,000 | 785,000 | 1,042,000 |
| Net interest income | 651,000 | 1,329,000 | 1,992,000 | 2,554,000 |
| Noninterest income | 159,000 | 307,000 | 461,000 | 609,000 |
| Noninterest expense | 514,000 | 1,013,000 | 1,522,000 | 2,139,000 |
| Provision for loan losses | 231,000 | 458,000 | 343,000 | 728,000 |
| Pretax income | 65,000 | 165,000 | 588,000 | 296,000 |
| Income tax | 80,000 | 172,000 | 273,000 | 56,000 |
| Net income | -15,000 | -7,000 | 315,000 | 240,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,108,000 | 6,116,000 | 6,438,000 | 6,213,000 |
| Total capital | 6,578,000 | 6,614,000 | 6,904,000 | 6,680,000 |
| Risk-weighted assets | 37,443,000 | 39,531,000 | 37,085,000 | 37,253,000 |
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