Call reports 2021
CITIZENS STATE BANK OF LULING — 2021
What CITIZENS STATE BANK OF LULING reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 74,630,000 | 73,399,000 | 69,151,000 | 73,124,000 |
| Total loans | 55,563,000 | 52,212,000 | 54,258,000 | 52,821,000 |
| Allowance for loan losses | 1,146,000 | 1,146,000 | 1,146,000 | 1,145,000 |
| Securities available for sale | 3,748,000 | 3,381,000 | 9,795,000 | 9,328,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,480,000 | 62,431,000 | 58,056,000 | 62,079,000 |
| Interest-bearing deposits | 39,371,000 | 40,229,000 | 39,241,000 | 42,729,000 |
| Noninterest-bearing deposits | 24,109,000 | 22,203,000 | 18,815,000 | 19,350,000 |
| Equity capital | 11,027,000 | 10,937,000 | 11,043,000 | 11,027,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 792,000 | 1,532,000 | 2,296,000 | 3,014,000 |
| Interest expense | 28,000 | 53,000 | 78,000 | 104,000 |
| Net interest income | 764,000 | 1,479,000 | 2,218,000 | 2,910,000 |
| Noninterest income | 69,000 | 133,000 | 199,000 | 262,000 |
| Noninterest expense | 668,000 | 1,342,000 | 1,993,000 | 2,622,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 165,000 | 270,000 | 424,000 | 550,000 |
| Income tax | 34,000 | 58,000 | 88,000 | 114,000 |
| Net income | 131,000 | 212,000 | 336,000 | 436,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,989,000 | 10,903,000 | 11,026,000 | 11,125,000 |