Call reports 2008
CITIZENS STATE BANK OF LULING — 2008
What CITIZENS STATE BANK OF LULING reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 56,835,000 | 54,400,000 | 52,612,000 | 53,108,000 |
| Total loans | 34,986,000 | 33,832,000 | 33,086,000 | 33,241,000 |
| Allowance for loan losses | 584,000 | 521,000 | 555,000 | 486,000 |
| Securities available for sale | 8,888,000 | 10,242,000 | 9,160,000 | 13,005,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,298,000 | 48,389,000 | 46,520,000 | 46,944,000 |
| Interest-bearing deposits | 35,850,000 | 34,459,000 | 34,088,000 | 34,720,000 |
| Noninterest-bearing deposits | 14,448,000 | 13,930,000 | 12,432,000 | 12,224,000 |
| Equity capital | 6,393,000 | 5,892,000 | 5,979,000 | 6,090,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 796,000 | 1,539,000 | 2,291,000 | 3,003,000 |
| Interest expense | 241,000 | 458,000 | 646,000 | 822,000 |
| Net interest income | 555,000 | 1,081,000 | 1,645,000 | 2,181,000 |
| Noninterest income | 135,000 | 268,000 | 377,000 | 503,000 |
| Noninterest expense | 531,000 | 1,071,000 | 1,613,000 | 2,226,000 |
| Provision for loan losses | 25,000 | 76,000 | 276,000 | 336,000 |
| Pretax income | 134,000 | 202,000 | 133,000 | 122,000 |
| Income tax | 36,000 | 62,000 | 35,000 | 22,000 |
| Net income | 98,000 | 140,000 | 98,000 | 100,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,311,000 | 5,967,000 | 5,926,000 | 5,928,000 |
| Total capital | 6,797,000 | 6,428,000 | 6,375,000 | 6,382,000 |
| Risk-weighted assets | 38,764,000 | 36,827,000 | 35,803,000 | 36,267,000 |
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