Call reports 2016
CITIZENS STATE BANK OF LULING — 2016
What CITIZENS STATE BANK OF LULING reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 67,252,000 | 65,556,000 | 68,425,000 | 65,061,000 |
| Total loans | 49,780,000 | 49,462,000 | 49,048,000 | 50,701,000 |
| Allowance for loan losses | 528,000 | 477,000 | 598,000 | 634,000 |
| Securities available for sale | 4,387,000 | 4,312,000 | 4,718,000 | 4,589,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,318,000 | 57,620,000 | 60,397,000 | 57,033,000 |
| Interest-bearing deposits | 39,872,000 | 38,853,000 | 41,465,000 | 39,824,000 |
| Noninterest-bearing deposits | 19,446,000 | 18,767,000 | 18,932,000 | 17,209,000 |
| Equity capital | 7,815,000 | 7,876,000 | 7,955,000 | 7,969,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 707,000 | 1,421,000 | 2,114,000 | 2,819,000 |
| Interest expense | 24,000 | 50,000 | 76,000 | 103,000 |
| Net interest income | 683,000 | 1,371,000 | 2,038,000 | 2,716,000 |
| Noninterest income | 106,000 | 197,000 | 285,000 | 374,000 |
| Noninterest expense | 663,000 | 1,285,000 | 1,887,000 | 2,554,000 |
| Provision for loan losses | 0 | 20,000 | 50,000 | 80,000 |
| Pretax income | 126,000 | 263,000 | 386,000 | 456,000 |
| Income tax | 32,000 | 86,000 | 131,000 | 147,000 |
| Net income | 94,000 | 177,000 | 255,000 | 309,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,762,000 | 7,819,000 | 7,901,000 | 7,947,000 |
| Total capital | 8,290,000 | 8,296,000 | 8,499,000 | 8,571,000 |
| Risk-weighted assets | 51,901,000 | 50,385,000 | 50,024,000 | 49,759,000 |