Call reports 2015
CITIZENS STATE BANK OF LULING — 2015
What CITIZENS STATE BANK OF LULING reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 67,679,000 | 66,717,000 | 66,472,000 | 65,938,000 |
| Total loans | 43,791,000 | 47,628,000 | 51,962,000 | 50,509,000 |
| Allowance for loan losses | 545,000 | 545,000 | 542,000 | 552,000 |
| Securities available for sale | 5,929,000 | 6,097,000 | 5,291,000 | 5,170,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,029,000 | 58,976,000 | 58,492,000 | 58,196,000 |
| Interest-bearing deposits | 38,762,000 | 37,363,000 | 37,243,000 | 38,057,000 |
| Noninterest-bearing deposits | 21,267,000 | 21,613,000 | 21,249,000 | 20,139,000 |
| Equity capital | 7,576,000 | 7,662,000 | 7,819,000 | 7,704,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 660,000 | 1,362,000 | 2,125,000 | 2,845,000 |
| Interest expense | 21,000 | 44,000 | 66,000 | 89,000 |
| Net interest income | 639,000 | 1,318,000 | 2,059,000 | 2,756,000 |
| Noninterest income | 111,000 | 218,000 | 327,000 | 439,000 |
| Noninterest expense | 640,000 | 1,257,000 | 1,889,000 | 2,533,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 110,000 | 279,000 | 497,000 | 662,000 |
| Income tax | 26,000 | 91,000 | 169,000 | 220,000 |
| Net income | 84,000 | 188,000 | 328,000 | 439,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,512,000 | 7,619,000 | 7,733,000 | 7,645,000 |
| Total capital | 8,057,000 | 8,164,000 | 8,275,000 | 8,197,000 |
| Risk-weighted assets | 47,231,000 | 48,162,000 | 51,457,000 | 51,772,000 |