Call reports 2020
CITIZENS STATE BANK OF LULING — 2020
What CITIZENS STATE BANK OF LULING reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 69,373,000 | 72,217,000 | 72,021,000 | 71,986,000 |
| Total loans | 57,789,000 | 59,161,000 | 59,648,000 | 57,779,000 |
| Allowance for loan losses | 960,000 | 1,083,000 | 1,117,000 | 1,143,000 |
| Securities available for sale | 3,475,000 | 5,098,000 | 4,158,000 | 3,995,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,538,000 | 61,187,000 | 60,908,000 | 60,827,000 |
| Interest-bearing deposits | 40,365,000 | 39,250,000 | 36,472,000 | 38,854,000 |
| Noninterest-bearing deposits | 18,173,000 | 21,937,000 | 24,436,000 | 21,973,000 |
| Equity capital | 10,725,000 | 10,881,000 | 11,002,000 | 11,114,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 848,000 | 1,750,000 | 2,579,000 | 3,358,000 |
| Interest expense | 74,000 | 120,000 | 155,000 | 188,000 |
| Net interest income | 774,000 | 1,630,000 | 2,424,000 | 3,170,000 |
| Noninterest income | 95,000 | 172,000 | 246,000 | 317,000 |
| Noninterest expense | 638,000 | 1,275,000 | 1,933,000 | 2,572,000 |
| Provision for loan losses | 0 | 114,000 | 146,000 | 175,000 |
| Pretax income | 231,000 | 413,000 | 591,000 | 740,000 |
| Income tax | 51,000 | 89,000 | 126,000 | 158,000 |
| Net income | 180,000 | 324,000 | 465,000 | 582,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,697,000 | 10,841,000 | 10,982,000 | 11,099,000 |