Call reports 2009
CITIZENS STATE BANK - LA CROSSE — 2009
What CITIZENS STATE BANK - LA CROSSE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 71,565,000 | 73,792,000 | 75,000,000 | 81,437,000 |
| Total loans | 65,106,000 | 68,389,000 | 70,038,000 | 74,195,000 |
| Allowance for loan losses | 481,000 | 511,000 | 541,000 | 571,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 180,000 | 180,000 | 180,000 | 160,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,163,000 | 61,215,000 | 62,186,000 | 68,509,000 |
| Interest-bearing deposits | 50,515,000 | 53,571,000 | 53,353,000 | 58,995,000 |
| Noninterest-bearing deposits | 8,648,000 | 7,644,000 | 8,833,000 | 9,514,000 |
| Equity capital | 5,255,000 | 5,426,000 | 5,655,000 | 5,807,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,094,000 | 2,233,000 | 3,428,000 | 4,569,000 |
| Interest expense | 379,000 | 767,000 | 1,155,000 | 1,542,000 |
| Net interest income | 715,000 | 1,466,000 | 2,273,000 | 3,027,000 |
| Noninterest income | 279,000 | 503,000 | 658,000 | 772,000 |
| Noninterest expense | 431,000 | 902,000 | 1,425,000 | 1,961,000 |
| Provision for loan losses | 35,000 | 65,000 | 95,000 | 125,000 |
| Pretax income | 528,000 | 1,002,000 | 1,411,000 | 1,713,000 |
| Income tax | 0 | 0 | -2,000 | 2,000 |
| Net income | 528,000 | 1,002,000 | 1,413,000 | 1,711,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,255,000 | 5,426,000 | 5,655,000 | 5,807,000 |
| Total capital | 5,736,000 | 5,937,000 | 6,196,000 | 6,378,000 |
| Risk-weighted assets | 55,770,000 | 58,160,000 | 59,536,000 | 62,697,000 |
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