Call reports 2011
CITIZENS STATE BANK OF LULING — 2011
What CITIZENS STATE BANK OF LULING reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 56,728,000 | 58,177,000 | 57,628,000 | 57,917,000 |
| Total loans | 39,473,000 | 40,292,000 | 40,352,000 | 40,467,000 |
| Allowance for loan losses | 555,000 | 570,000 | 588,000 | 557,000 |
| Securities available for sale | 5,918,000 | 5,156,000 | 5,923,000 | 5,846,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,069,000 | 51,354,000 | 50,627,000 | 50,902,000 |
| Interest-bearing deposits | 35,984,000 | 36,930,000 | 36,382,000 | 35,120,000 |
| Noninterest-bearing deposits | 14,085,000 | 14,424,000 | 14,245,000 | 15,782,000 |
| Equity capital | 6,548,000 | 6,650,000 | 6,735,000 | 6,862,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 670,000 | 1,339,000 | 2,011,000 | 2,690,000 |
| Interest expense | 64,000 | 130,000 | 198,000 | 259,000 |
| Net interest income | 606,000 | 1,209,000 | 1,813,000 | 2,431,000 |
| Noninterest income | 120,000 | 236,000 | 360,000 | 517,000 |
| Noninterest expense | 594,000 | 1,149,000 | 1,733,000 | 2,281,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 114,000 | 260,000 | 386,000 | 595,000 |
| Income tax | 27,000 | 85,000 | 131,000 | 185,000 |
| Net income | 87,000 | 175,000 | 255,000 | 410,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,372,000 | 6,460,000 | 6,539,000 | 6,695,000 |
| Total capital | 6,882,000 | 6,985,000 | 7,059,000 | 7,215,000 |
| Risk-weighted assets | 40,746,000 | 41,976,000 | 41,547,000 | 41,564,000 |