Call reports 2024
CITIZENS STATE BANK OF LULING — 2024
What CITIZENS STATE BANK OF LULING reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 70,280,000 | 69,919,000 | 72,121,000 | 70,370,000 |
| Total loans | 53,936,000 | 50,110,000 | 51,858,000 | 55,851,000 |
| Allowance for loan losses | 1,149,000 | 1,146,000 | 1,050,000 | 1,050,000 |
| Securities available for sale | 7,905,000 | 7,750,000 | 7,810,000 | 7,313,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,493,000 | 59,904,000 | 61,528,000 | 59,847,000 |
| Interest-bearing deposits | 35,484,000 | 35,395,000 | 36,671,000 | 37,232,000 |
| Noninterest-bearing deposits | 25,009,000 | 24,509,000 | 24,857,000 | 22,615,000 |
| Equity capital | 9,621,000 | 9,868,000 | 10,271,000 | 10,346,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 949,000 | 1,901,000 | 2,906,000 | 4,044,000 |
| Interest expense | 100,000 | 197,000 | 319,000 | 462,000 |
| Net interest income | 849,000 | 1,704,000 | 2,587,000 | 3,582,000 |
| Noninterest income | 83,000 | 162,000 | 247,000 | 333,000 |
| Noninterest expense | 741,000 | 1,472,000 | 2,235,000 | 2,960,000 |
| Provision for loan losses | 0 | 0 | -96,000 | -96,000 |
| Pretax income | 191,000 | 394,000 | 599,000 | 955,000 |
| Income tax | 41,000 | 85,000 | 130,000 | 206,000 |
| Net income | 150,000 | 309,000 | 469,000 | 749,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,658,000 | 10,816,000 | 10,976,000 | 11,257,000 |