Call reports 2017
CITIZENS STATE BANK OF LULING — 2017
What CITIZENS STATE BANK OF LULING reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 64,144,000 | 64,330,000 | 67,416,000 | 67,830,000 |
| Total loans | 52,764,000 | 52,877,000 | 55,418,000 | 60,301,000 |
| Allowance for loan losses | 630,000 | 667,000 | 697,000 | 730,000 |
| Securities available for sale | 4,496,000 | 4,445,000 | 3,934,000 | 4,320,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,056,000 | 56,142,000 | 56,881,000 | 56,107,000 |
| Interest-bearing deposits | 38,723,000 | 37,663,000 | 37,531,000 | 37,776,000 |
| Noninterest-bearing deposits | 17,333,000 | 18,479,000 | 19,350,000 | 18,331,000 |
| Equity capital | 7,938,000 | 8,062,000 | 10,368,000 | 10,536,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 738,000 | 1,461,000 | 2,214,000 | 3,046,000 |
| Interest expense | 28,000 | 58,000 | 89,000 | 119,000 |
| Net interest income | 710,000 | 1,403,000 | 2,125,000 | 2,927,000 |
| Noninterest income | 97,000 | 191,000 | 272,000 | 394,000 |
| Noninterest expense | 613,000 | 1,207,000 | 1,810,000 | 2,454,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 164,000 | 327,000 | 497,000 | 747,000 |
| Income tax | 56,000 | 111,000 | 169,000 | 323,000 |
| Net income | 108,000 | 216,000 | 328,000 | 424,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,927,000 | 8,038,000 | 10,343,000 | 10,545,000 |
| Total capital | 8,557,000 | 8,671,000 | 11,012,000 | 11,262,000 |
| Risk-weighted assets | 51,306,000 | 50,567,000 | 53,453,000 | 57,344,000 |