Call reports 2012
CITIZENS STATE BANK - LA CROSSE — 2012
What CITIZENS STATE BANK - LA CROSSE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 109,506,000 | 115,503,000 | 119,223,000 | 119,555,000 |
| Total loans | 98,979,000 | 106,103,000 | 108,095,000 | 111,968,000 |
| Allowance for loan losses | 944,000 | 974,000 | 983,000 | 983,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,054,000 | 98,415,000 | 101,300,000 | 101,431,000 |
| Interest-bearing deposits | 78,608,000 | 82,185,000 | 81,092,000 | 84,591,000 |
| Noninterest-bearing deposits | 14,446,000 | 16,230,000 | 20,208,000 | 16,840,000 |
| Equity capital | 9,346,000 | 9,978,000 | 10,312,000 | 10,993,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,614,000 | 3,240,000 | 4,861,000 | 6,589,000 |
| Interest expense | 360,000 | 679,000 | 988,000 | 1,294,000 |
| Net interest income | 1,254,000 | 2,561,000 | 3,873,000 | 5,295,000 |
| Noninterest income | 329,000 | 779,000 | 1,367,000 | 1,996,000 |
| Noninterest expense | 739,000 | 1,488,000 | 2,299,000 | 3,255,000 |
| Provision for loan losses | 50,000 | 80,000 | 95,000 | 95,000 |
| Pretax income | 794,000 | 1,772,000 | 2,846,000 | 3,941,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 794,000 | 1,772,000 | 2,846,000 | 3,941,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,346,000 | 9,978,000 | 10,312,000 | 10,993,000 |
| Total capital | 10,290,000 | 10,952,000 | 11,295,000 | 11,976,000 |
| Risk-weighted assets | 84,516,000 | 88,583,000 | 88,667,000 | 90,983,000 |
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