Call reports 2008
CITIZENS STATE BANK - LA CROSSE — 2008
What CITIZENS STATE BANK - LA CROSSE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 56,456,000 | 58,978,000 | 60,872,000 | 66,982,000 |
| Total loans | 51,986,000 | 55,662,000 | 57,194,000 | 60,087,000 |
| Allowance for loan losses | 429,000 | 449,000 | 441,000 | 456,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 499,000 | 499,000 | 499,000 | 480,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,937,000 | 48,443,000 | 50,159,000 | 55,831,000 |
| Interest-bearing deposits | 39,380,000 | 42,848,000 | 43,827,000 | 49,111,000 |
| Noninterest-bearing deposits | 6,557,000 | 5,595,000 | 6,332,000 | 6,720,000 |
| Equity capital | 4,356,000 | 4,380,000 | 4,518,000 | 4,895,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 983,000 | 2,000,000 | 3,031,000 | 4,100,000 |
| Interest expense | 453,000 | 876,000 | 1,291,000 | 1,701,000 |
| Net interest income | 530,000 | 1,124,000 | 1,740,000 | 2,399,000 |
| Noninterest income | 112,000 | 237,000 | 328,000 | 517,000 |
| Noninterest expense | 392,000 | 812,000 | 1,273,000 | 1,779,000 |
| Provision for loan losses | 15,000 | 35,000 | 53,000 | 68,000 |
| Pretax income | 235,000 | 514,000 | 742,000 | 1,069,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 235,000 | 514,000 | 742,000 | 1,069,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,356,000 | 4,380,000 | 4,518,000 | 4,895,000 |
| Total capital | 4,785,000 | 4,829,000 | 4,959,000 | 5,351,000 |
| Risk-weighted assets | 46,235,000 | 48,948,000 | 49,496,000 | 52,380,000 |
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