Call reports 2013
CITIZENS STATE BANK OF LULING — 2013
What CITIZENS STATE BANK OF LULING reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 63,050,000 | 62,715,000 | 62,867,000 | 62,415,000 |
| Total loans | 40,794,000 | 40,493,000 | 43,982,000 | 46,948,000 |
| Allowance for loan losses | 512,000 | 533,000 | 554,000 | 574,000 |
| Securities available for sale | 5,799,000 | 5,932,000 | 5,586,000 | 5,463,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,971,000 | 55,625,000 | 55,619,000 | 55,114,000 |
| Interest-bearing deposits | 37,475,000 | 37,171,000 | 36,197,000 | 36,417,000 |
| Noninterest-bearing deposits | 18,496,000 | 18,454,000 | 19,422,000 | 18,697,000 |
| Equity capital | 6,975,000 | 7,000,000 | 7,099,000 | 7,248,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 625,000 | 1,274,000 | 1,926,000 | 2,611,000 |
| Interest expense | 28,000 | 53,000 | 76,000 | 99,000 |
| Net interest income | 597,000 | 1,221,000 | 1,850,000 | 2,512,000 |
| Noninterest income | 129,000 | 247,000 | 367,000 | 499,000 |
| Noninterest expense | 572,000 | 1,133,000 | 1,699,000 | 2,325,000 |
| Provision for loan losses | 14,000 | 28,000 | 42,000 | 56,000 |
| Pretax income | 140,000 | 307,000 | 476,000 | 630,000 |
| Income tax | 38,000 | 103,000 | 162,000 | 220,000 |
| Net income | 102,000 | 204,000 | 314,000 | 410,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,832,000 | 6,935,000 | 7,044,000 | 7,189,000 |
| Total capital | 7,344,000 | 7,468,000 | 7,598,000 | 7,763,000 |
| Risk-weighted assets | 43,366,000 | 43,549,000 | 46,435,000 | 47,836,000 |
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