Call reports 2022
CITIZENS STATE BANK OF LULING — 2022
What CITIZENS STATE BANK OF LULING reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 75,179,000 | 74,705,000 | 76,190,000 | 70,131,000 |
| Total loans | 53,087,000 | 51,552,000 | 53,976,000 | 55,292,000 |
| Allowance for loan losses | 1,145,000 | 1,145,000 | 1,145,000 | 1,145,000 |
| Securities available for sale | 10,286,000 | 11,016,000 | 9,937,000 | 9,628,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,640,000 | 64,686,000 | 66,112,000 | 59,917,000 |
| Interest-bearing deposits | 43,075,000 | 42,395,000 | 42,808,000 | 36,003,000 |
| Noninterest-bearing deposits | 21,564,000 | 22,291,000 | 23,304,000 | 23,914,000 |
| Equity capital | 10,477,000 | 9,975,000 | 9,966,000 | 10,167,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 695,000 | 1,420,000 | 2,140,000 | 2,964,000 |
| Interest expense | 27,000 | 54,000 | 78,000 | 99,000 |
| Net interest income | 668,000 | 1,366,000 | 2,062,000 | 2,865,000 |
| Noninterest income | 81,000 | 154,000 | 227,000 | 312,000 |
| Noninterest expense | 628,000 | 1,258,000 | 1,925,000 | 2,560,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 121,000 | 262,000 | 364,000 | 617,000 |
| Income tax | 25,000 | 55,000 | 78,000 | 132,000 |
| Net income | 96,000 | 207,000 | 286,000 | 485,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,971,000 | 10,963,000 | 11,043,000 | 11,216,000 |