Call reports 2015
CITIZENS STATE BANK - LA CROSSE — 2015
What CITIZENS STATE BANK - LA CROSSE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 165,522,000 | 175,817,000 | 184,669,000 | 191,082,000 |
| Total loans | 152,157,000 | 156,902,000 | 168,094,000 | 173,236,000 |
| Allowance for loan losses | 1,254,000 | 1,299,000 | 1,362,000 | 1,369,000 |
| Securities available for sale | 0 | 0 | 0 | 3,376,000 |
| Securities held to maturity | 0 | 3,410,000 | 3,397,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,383,000 | 146,862,000 | 152,932,000 | 157,508,000 |
| Interest-bearing deposits | 115,662,000 | 122,690,000 | 129,030,000 | 131,747,000 |
| Noninterest-bearing deposits | 21,721,000 | 24,172,000 | 23,902,000 | 25,760,000 |
| Equity capital | 14,339,000 | 15,221,000 | 15,432,000 | 15,973,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,959,000 | 4,071,000 | 6,310,000 | 8,572,000 |
| Interest expense | 318,000 | 656,000 | 987,000 | 1,335,000 |
| Net interest income | 1,641,000 | 3,415,000 | 5,323,000 | 7,237,000 |
| Noninterest income | 532,000 | 1,292,000 | 1,921,000 | 2,435,000 |
| Noninterest expense | 1,131,000 | 2,293,000 | 3,470,000 | 4,802,000 |
| Provision for loan losses | 45,000 | 90,000 | 155,000 | 200,000 |
| Pretax income | 997,000 | 2,324,000 | 3,619,000 | 4,670,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 997,000 | 2,324,000 | 3,619,000 | 4,670,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,339,000 | 15,221,000 | 15,432,000 | 15,973,000 |
| Total capital | 15,593,000 | 16,520,000 | 16,794,000 | 17,342,000 |
| Risk-weighted assets | 129,651,000 | 136,138,000 | 148,119,000 | 151,158,000 |