Call reports 2014
CITIZENS STATE BANK OF LULING — 2014
What CITIZENS STATE BANK OF LULING reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 66,319,000 | 66,098,000 | 66,353,000 | 67,758,000 |
| Total loans | 45,622,000 | 45,919,000 | 47,431,000 | 45,885,000 |
| Allowance for loan losses | 593,000 | 594,000 | 572,000 | 554,000 |
| Securities available for sale | 5,367,000 | 5,247,000 | 6,121,000 | 5,018,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,049,000 | 58,685,000 | 58,721,000 | 60,048,000 |
| Interest-bearing deposits | 36,544,000 | 35,603,000 | 35,843,000 | 37,132,000 |
| Noninterest-bearing deposits | 22,505,000 | 23,082,000 | 22,878,000 | 22,916,000 |
| Equity capital | 7,161,000 | 7,359,000 | 7,530,000 | 7,683,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 697,000 | 1,356,000 | 2,068,000 | 2,796,000 |
| Interest expense | 21,000 | 43,000 | 65,000 | 86,000 |
| Net interest income | 676,000 | 1,313,000 | 2,003,000 | 2,710,000 |
| Noninterest income | 100,000 | 299,000 | 395,000 | 505,000 |
| Noninterest expense | 628,000 | 1,195,000 | 1,804,000 | 2,454,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 148,000 | 417,000 | 594,000 | 761,000 |
| Income tax | 41,000 | 107,000 | 168,000 | 190,000 |
| Net income | 107,000 | 310,000 | 426,000 | 571,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,094,000 | 7,299,000 | 7,477,000 | 7,626,000 |
| Total capital | 7,687,000 | 7,893,000 | 8,049,000 | 8,180,000 |
| Risk-weighted assets | 48,720,000 | 51,051,000 | 51,280,000 | 49,659,000 |
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