Call reports 2019
CITIZENS STATE BANK OF LULING — 2019
What CITIZENS STATE BANK OF LULING reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 68,104,000 | 67,992,000 | 70,477,000 | 74,071,000 |
| Total loans | 55,262,000 | 55,706,000 | 57,741,000 | 58,889,000 |
| Allowance for loan losses | 886,000 | 922,000 | 957,000 | 961,000 |
| Securities available for sale | 4,801,000 | 5,029,000 | 4,993,000 | 4,367,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,629,000 | 57,448,000 | 59,717,000 | 63,405,000 |
| Interest-bearing deposits | 40,961,000 | 39,616,000 | 41,364,000 | 44,294,000 |
| Noninterest-bearing deposits | 16,668,000 | 17,832,000 | 18,353,000 | 19,111,000 |
| Equity capital | 10,326,000 | 10,483,000 | 10,629,000 | 10,601,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 793,000 | 1,622,000 | 2,496,000 | 3,360,000 |
| Interest expense | 56,000 | 122,000 | 196,000 | 279,000 |
| Net interest income | 737,000 | 1,500,000 | 2,300,000 | 3,081,000 |
| Noninterest income | 101,000 | 207,000 | 341,000 | 437,000 |
| Noninterest expense | 663,000 | 1,338,000 | 1,990,000 | 2,655,000 |
| Provision for loan losses | 30,000 | 60,000 | 60,000 | 60,000 |
| Pretax income | 145,000 | 309,000 | 591,000 | 803,000 |
| Income tax | 32,000 | 70,000 | 131,000 | 179,000 |
| Net income | 113,000 | 239,000 | 460,000 | 624,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,332,000 | 10,463,000 | 10,611,000 | 10,578,000 |
| Total capital | 11,018,000 | 11,161,000 | 11,331,000 | 11,302,000 |
| Risk-weighted assets | 54,758,000 | 55,516,000 | 57,374,000 | 57,568,000 |