Call reports 2011
CITIZENS STATE BANK - LA CROSSE — 2011
What CITIZENS STATE BANK - LA CROSSE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 97,323,000 | 102,723,000 | 105,015,000 | 112,027,000 |
| Total loans | 90,950,000 | 95,621,000 | 97,843,000 | 99,865,000 |
| Allowance for loan losses | 767,000 | 822,000 | 864,000 | 894,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,294,000 | 87,375,000 | 89,007,000 | 95,867,000 |
| Interest-bearing deposits | 71,325,000 | 73,743,000 | 75,515,000 | 80,748,000 |
| Noninterest-bearing deposits | 10,969,000 | 13,632,000 | 13,492,000 | 15,119,000 |
| Equity capital | 7,920,000 | 8,228,000 | 8,876,000 | 9,084,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,394,000 | 2,871,000 | 4,498,000 | 5,993,000 |
| Interest expense | 372,000 | 744,000 | 1,125,000 | 1,514,000 |
| Net interest income | 1,022,000 | 2,127,000 | 3,373,000 | 4,479,000 |
| Noninterest income | 215,000 | 423,000 | 783,000 | 1,203,000 |
| Noninterest expense | 613,000 | 1,284,000 | 1,943,000 | 2,857,000 |
| Provision for loan losses | 35,000 | 90,000 | 135,000 | 165,000 |
| Pretax income | 589,000 | 1,176,000 | 2,078,000 | 2,660,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 589,000 | 1,176,000 | 2,078,000 | 2,660,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,920,000 | 8,228,000 | 8,876,000 | 9,084,000 |
| Total capital | 8,687,000 | 9,050,000 | 9,740,000 | 9,978,000 |
| Risk-weighted assets | 74,644,000 | 79,356,000 | 82,681,000 | 85,311,000 |
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