Call reports 2010
CITIZENS STATE BANK - LA CROSSE — 2010
What CITIZENS STATE BANK - LA CROSSE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 81,760,000 | 86,266,000 | 90,453,000 | 97,322,000 |
| Total loans | 79,572,000 | 80,476,000 | 87,235,000 | 89,372,000 |
| Allowance for loan losses | 611,000 | 653,000 | 692,000 | 732,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 160,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,354,000 | 72,570,000 | 75,444,000 | 82,574,000 |
| Interest-bearing deposits | 59,518,000 | 62,337,000 | 65,213,000 | 68,363,000 |
| Noninterest-bearing deposits | 8,836,000 | 10,233,000 | 10,231,000 | 14,211,000 |
| Equity capital | 6,278,000 | 6,584,000 | 7,204,000 | 7,654,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,303,000 | 2,637,000 | 4,052,000 | 5,537,000 |
| Interest expense | 376,000 | 760,000 | 1,133,000 | 1,503,000 |
| Net interest income | 927,000 | 1,877,000 | 2,919,000 | 4,034,000 |
| Noninterest income | 160,000 | 386,000 | 844,000 | 1,304,000 |
| Noninterest expense | 562,000 | 1,164,000 | 1,782,000 | 2,523,000 |
| Provision for loan losses | 40,000 | 94,000 | 133,000 | 185,000 |
| Pretax income | 485,000 | 1,005,000 | 1,848,000 | 2,630,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 485,000 | 1,005,000 | 1,848,000 | 2,630,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,278,000 | 6,584,000 | 7,204,000 | 7,654,000 |
| Total capital | 6,889,000 | 7,237,000 | 7,896,000 | 8,386,000 |
| Risk-weighted assets | 66,504,000 | 68,233,000 | 73,543,000 | 74,749,000 |
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