Call reports 2014
CITIZENS STATE BANK - LA CROSSE — 2014
What CITIZENS STATE BANK - LA CROSSE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 148,468,000 | 155,712,000 | 157,212,000 | 163,414,000 |
| Total loans | 136,236,000 | 140,985,000 | 148,955,000 | 148,729,000 |
| Allowance for loan losses | 1,089,000 | 1,085,000 | 1,158,000 | 1,208,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,386,000 | 129,738,000 | 127,109,000 | 134,023,000 |
| Interest-bearing deposits | 103,114,000 | 106,804,000 | 106,880,000 | 110,820,000 |
| Noninterest-bearing deposits | 20,272,000 | 22,934,000 | 20,229,000 | 23,203,000 |
| Equity capital | 12,650,000 | 13,400,000 | 13,641,000 | 14,191,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,808,000 | 3,718,000 | 5,701,000 | 7,749,000 |
| Interest expense | 304,000 | 609,000 | 911,000 | 1,234,000 |
| Net interest income | 1,504,000 | 3,109,000 | 4,790,000 | 6,515,000 |
| Noninterest income | 360,000 | 1,001,000 | 1,567,000 | 2,116,000 |
| Noninterest expense | 975,000 | 1,995,000 | 3,066,000 | 4,220,000 |
| Provision for loan losses | 55,000 | 100,000 | 175,000 | 230,000 |
| Pretax income | 834,000 | 2,015,000 | 3,116,000 | 4,181,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 834,000 | 2,015,000 | 3,116,000 | 4,181,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,650,000 | 13,400,000 | 13,641,000 | 14,191,000 |
| Total capital | 13,739,000 | 14,485,000 | 14,799,000 | 15,400,000 |
| Risk-weighted assets | 114,829,000 | 119,648,000 | 126,340,000 | 126,207,000 |
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