Call reports 2018
CITIZENS STATE BANK OF LULING — 2018
What CITIZENS STATE BANK OF LULING reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 67,060,000 | 68,476,000 | 65,498,000 | 64,993,000 |
| Total loans | 58,172,000 | 58,285,000 | 56,871,000 | 57,152,000 |
| Allowance for loan losses | 760,000 | 797,000 | 824,000 | 856,000 |
| Securities available for sale | 4,356,000 | 5,133,000 | 5,218,000 | 4,940,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,658,000 | 57,267,000 | 55,001,000 | 54,482,000 |
| Interest-bearing deposits | 37,995,000 | 39,643,000 | 38,681,000 | 38,333,000 |
| Noninterest-bearing deposits | 18,663,000 | 17,624,000 | 16,321,000 | 16,149,000 |
| Equity capital | 10,126,000 | 10,137,000 | 10,292,000 | 10,264,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 814,000 | 1,597,000 | 2,416,000 | 3,231,000 |
| Interest expense | 34,000 | 71,000 | 115,000 | 164,000 |
| Net interest income | 780,000 | 1,526,000 | 2,301,000 | 3,067,000 |
| Noninterest income | 98,000 | 201,000 | 304,000 | 416,000 |
| Noninterest expense | 621,000 | 1,252,000 | 1,879,000 | 2,533,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 227,000 | 415,000 | 636,000 | 830,000 |
| Income tax | 48,000 | 76,000 | 140,000 | 160,000 |
| Net income | 179,000 | 339,000 | 496,000 | 670,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,138,000 | 10,172,000 | 10,333,000 | 10,292,000 |
| Total capital | 10,839,000 | 10,896,000 | 11,062,000 | 11,012,000 |
| Risk-weighted assets | 55,963,000 | 57,884,000 | 58,256,000 | 57,420,000 |