Call reports 2010
CITIZENS STATE BANK OF LULING — 2010
What CITIZENS STATE BANK OF LULING reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 52,087,000 | 52,033,000 | 51,556,000 | 53,606,000 |
| Total loans | 35,787,000 | 35,965,000 | 35,035,000 | 37,555,000 |
| Allowance for loan losses | 522,000 | 541,000 | 515,000 | 553,000 |
| Securities available for sale | 7,899,000 | 6,935,000 | 6,469,000 | 6,327,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,557,000 | 45,425,000 | 44,881,000 | 46,964,000 |
| Interest-bearing deposits | 33,933,000 | 34,177,000 | 33,296,000 | 34,229,000 |
| Noninterest-bearing deposits | 11,624,000 | 11,248,000 | 11,585,000 | 12,736,000 |
| Equity capital | 6,442,000 | 6,516,000 | 6,568,000 | 6,606,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 648,000 | 1,358,000 | 2,015,000 | 2,672,000 |
| Interest expense | 79,000 | 153,000 | 222,000 | 286,000 |
| Net interest income | 569,000 | 1,205,000 | 1,793,000 | 2,386,000 |
| Noninterest income | 119,000 | 242,000 | 376,000 | 511,000 |
| Noninterest expense | 596,000 | 1,193,000 | 1,799,000 | 2,423,000 |
| Provision for loan losses | 30,000 | 60,000 | 75,000 | 75,000 |
| Pretax income | 62,000 | 194,000 | 295,000 | 399,000 |
| Income tax | 8,000 | 57,000 | 98,000 | 110,000 |
| Net income | 54,000 | 137,000 | 197,000 | 289,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,188,000 | 6,271,000 | 6,331,000 | 6,423,000 |
| Total capital | 6,637,000 | 6,721,000 | 6,794,000 | 6,909,000 |
| Risk-weighted assets | 35,824,000 | 35,893,000 | 36,998,000 | 38,826,000 |
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