Call reports 2025
CITIZENS STATE BANK OF LULING — 2025
What CITIZENS STATE BANK OF LULING reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 68,963,000 | 69,472,000 | 67,711,000 | 63,133,000 |
| Total loans | 56,699,000 | 58,543,000 | 54,310,000 | 52,119,000 |
| Allowance for loan losses | 1,065,000 | 1,095,000 | 1,129,000 | 1,189,000 |
| Securities available for sale | 6,988,000 | 6,763,000 | 6,693,000 | 6,479,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,031,000 | 54,924,000 | 55,895,000 | 51,409,000 |
| Interest-bearing deposits | 35,224,000 | 34,440,000 | 34,159,000 | 33,660,000 |
| Noninterest-bearing deposits | 22,807,000 | 20,484,000 | 21,736,000 | 17,749,000 |
| Equity capital | 10,666,000 | 11,328,000 | 11,501,000 | 11,582,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,034,000 | 2,093,000 | 3,178,000 | 4,200,000 |
| Interest expense | 137,000 | 274,000 | 421,000 | 538,000 |
| Net interest income | 897,000 | 1,819,000 | 2,757,000 | 3,662,000 |
| Noninterest income | 86,000 | 161,000 | 245,000 | 311,000 |
| Noninterest expense | 778,000 | 1,548,000 | 2,318,000 | 3,062,000 |
| Provision for loan losses | 17,000 | 48,000 | 81,000 | 141,000 |
| Pretax income | 188,000 | 384,000 | 603,000 | 770,000 |
| Income tax | 41,000 | 84,000 | 129,000 | 166,000 |
| Net income | 147,000 | 300,000 | 474,000 | 604,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,403,000 | 12,034,000 | 12,083,000 | 12,136,000 |