Call reports 2007
CITIZENS STATE BANK - LA CROSSE — 2007
What CITIZENS STATE BANK - LA CROSSE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 48,475,000 | 51,590,000 | 52,378,000 | 54,722,000 |
| Total loans | 45,260,000 | 47,505,000 | 48,874,000 | 49,873,000 |
| Allowance for loan losses | 366,000 | 391,000 | 399,000 | 414,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,518,000 | 1,517,000 | 1,311,000 | 1,299,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,433,000 | 41,494,000 | 42,192,000 | 44,468,000 |
| Interest-bearing deposits | 34,502,000 | 36,731,000 | 37,034,000 | 39,021,000 |
| Noninterest-bearing deposits | 3,931,000 | 4,763,000 | 5,158,000 | 5,447,000 |
| Equity capital | 3,787,000 | 3,900,000 | 3,997,000 | 4,121,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 888,000 | 1,812,000 | 2,763,000 | 3,743,000 |
| Interest expense | 426,000 | 888,000 | 1,361,000 | 1,836,000 |
| Net interest income | 462,000 | 924,000 | 1,402,000 | 1,907,000 |
| Noninterest income | 101,000 | 206,000 | 296,000 | 410,000 |
| Noninterest expense | 376,000 | 733,000 | 1,134,000 | 1,538,000 |
| Provision for loan losses | 27,000 | 54,000 | 63,000 | 78,000 |
| Pretax income | 160,000 | 343,000 | 501,000 | 701,000 |
| Income tax | 57,000 | 127,000 | 188,000 | 264,000 |
| Net income | 103,000 | 216,000 | 313,000 | 437,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,787,000 | 3,900,000 | 3,997,000 | 4,121,000 |
| Total capital | 4,153,000 | 4,291,000 | 4,396,000 | 4,535,000 |
| Risk-weighted assets | 40,168,000 | 42,018,000 | 43,597,000 | 45,267,000 |
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