Call reports 2026
CITIZENS STATE BANK OF LULING — 2026
What CITIZENS STATE BANK OF LULING reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 63,861,000 | 73,820,000 |
| Total loans | 50,892,000 | 48,534,000 |
| Allowance for loan losses | 1,212,000 | 1,207,000 |
| Securities available for sale | 6,229,000 | 5,980,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 51,077,000 | 55,417,000 |
| Interest-bearing deposits | 33,616,000 | 35,118,000 |
| Noninterest-bearing deposits | 17,461,000 | 20,299,000 |
| Equity capital | 11,635,000 | 16,893,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 894,000 | 855,000 |
| Interest expense | 106,000 | 103,000 |
| Net interest income | 788,000 | 752,000 |
| Noninterest income | 84,000 | 147,000 |
| Noninterest expense | 750,000 | 698,000 |
| Provision for loan losses | 23,000 | 0 |
| Pretax income | 99,000 | 201,000 |
| Income tax | 21,000 | 44,000 |
| Net income | 78,000 | 157,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 12,214,000 | 14,924,000 |
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