Call reports 2009
CITIZENS STATE BANK OF LULING — 2009
What CITIZENS STATE BANK OF LULING reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 51,799,000 | 52,285,000 | 52,936,000 | 52,606,000 |
| Total loans | 33,059,000 | 32,571,000 | 33,374,000 | 34,173,000 |
| Allowance for loan losses | 528,000 | 643,000 | 561,000 | 701,000 |
| Securities available for sale | 11,055,000 | 10,248,000 | 8,893,000 | 8,410,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,466,000 | 45,659,000 | 46,082,000 | 45,914,000 |
| Interest-bearing deposits | 33,748,000 | 33,710,000 | 34,827,000 | 34,702,000 |
| Noninterest-bearing deposits | 11,718,000 | 11,949,000 | 11,255,000 | 11,212,000 |
| Equity capital | 6,207,000 | 6,361,000 | 6,502,000 | 6,435,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 705,000 | 1,383,000 | 2,040,000 | 2,704,000 |
| Interest expense | 139,000 | 256,000 | 372,000 | 466,000 |
| Net interest income | 566,000 | 1,127,000 | 1,668,000 | 2,238,000 |
| Noninterest income | 116,000 | 254,000 | 400,000 | 542,000 |
| Noninterest expense | 562,000 | 1,170,000 | 1,761,000 | 2,348,000 |
| Provision for loan losses | 15,000 | 90,000 | 123,000 | 335,000 |
| Pretax income | 105,000 | 121,000 | 184,000 | 97,000 |
| Income tax | 26,000 | 32,000 | 55,000 | 22,000 |
| Net income | 79,000 | 288,000 | 328,000 | 296,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,986,000 | 6,196,000 | 6,236,000 | 6,204,000 |
| Total capital | 6,426,000 | 6,634,000 | 6,681,000 | 6,649,000 |
| Risk-weighted assets | 35,146,000 | 34,829,000 | 35,461,000 | 34,798,000 |
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