Call reports 2023
CITIZENS STATE BANK OF LULING — 2023
What CITIZENS STATE BANK OF LULING reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 68,337,000 | 69,200,000 | 69,442,000 | 68,205,000 |
| Total loans | 53,596,000 | 55,014,000 | 54,618,000 | 54,986,000 |
| Allowance for loan losses | 1,145,000 | 1,140,000 | 1,151,000 | 1,151,000 |
| Securities available for sale | 9,373,000 | 8,689,000 | 8,173,000 | 8,213,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,950,000 | 57,752,000 | 57,972,000 | 56,438,000 |
| Interest-bearing deposits | 35,913,000 | 34,419,000 | 34,532,000 | 34,304,000 |
| Noninterest-bearing deposits | 23,038,000 | 23,333,000 | 23,440,000 | 22,134,000 |
| Equity capital | 9,252,000 | 9,330,000 | 9,322,000 | 9,681,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 792,000 | 1,627,000 | 2,522,000 | 3,436,000 |
| Interest expense | 31,000 | 84,000 | 163,000 | 270,000 |
| Net interest income | 761,000 | 1,543,000 | 2,359,000 | 3,166,000 |
| Noninterest income | 87,000 | 161,000 | 235,000 | 312,000 |
| Noninterest expense | 662,000 | 1,346,000 | 2,047,000 | 2,783,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 10,000 |
| Pretax income | 186,000 | 358,000 | 537,000 | 685,000 |
| Income tax | 40,000 | 78,000 | 117,000 | 149,000 |
| Net income | 146,000 | 280,000 | 420,000 | 536,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,286,000 | 10,420,000 | 10,560,000 | 10,678,000 |
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