Call reports 2013
CITIZENS STATE BANK - LA CROSSE — 2013
What CITIZENS STATE BANK - LA CROSSE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 123,935,000 | 129,823,000 | 130,623,000 | 141,020,000 |
| Total loans | 114,064,000 | 119,178,000 | 123,641,000 | 129,366,000 |
| Allowance for loan losses | 1,012,000 | 1,042,000 | 1,090,000 | 1,035,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,474,000 | 109,912,000 | 109,531,000 | 116,084,000 |
| Interest-bearing deposits | 89,091,000 | 92,094,000 | 90,821,000 | 95,687,000 |
| Noninterest-bearing deposits | 16,383,000 | 17,818,000 | 18,710,000 | 20,397,000 |
| Equity capital | 11,364,000 | 11,567,000 | 12,036,000 | 12,539,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,685,000 | 3,358,000 | 5,090,000 | 6,912,000 |
| Interest expense | 301,000 | 599,000 | 898,000 | 1,186,000 |
| Net interest income | 1,384,000 | 2,759,000 | 4,192,000 | 5,726,000 |
| Noninterest income | 544,000 | 1,071,000 | 1,576,000 | 2,062,000 |
| Noninterest expense | 857,000 | 1,760,000 | 2,671,000 | 3,680,000 |
| Provision for loan losses | 30,000 | 60,000 | 110,000 | 150,000 |
| Pretax income | 1,041,000 | 2,010,000 | 2,987,000 | 3,958,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,041,000 | 2,010,000 | 2,987,000 | 3,958,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,364,000 | 11,567,000 | 12,036,000 | 12,539,000 |
| Total capital | 12,376,000 | 12,609,000 | 13,126,000 | 13,573,000 |
| Risk-weighted assets | 93,406,000 | 97,502,000 | 100,111,000 | 107,822,000 |
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