Call reports 2016
CITIZENS STATE BANK - LA CROSSE — 2016
What CITIZENS STATE BANK - LA CROSSE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 192,958,000 | 209,022,000 | 209,139,000 | 222,114,000 |
| Total loans | 174,324,000 | 182,793,000 | 186,404,000 | 201,847,000 |
| Allowance for loan losses | 1,389,000 | 1,464,000 | 1,467,000 | 1,572,000 |
| Securities available for sale | 4,475,000 | 5,075,000 | 5,031,000 | 4,958,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,153,000 | 171,289,000 | 170,812,000 | 181,411,000 |
| Interest-bearing deposits | 133,813,000 | 137,408,000 | 137,901,000 | 150,049,000 |
| Noninterest-bearing deposits | 25,340,000 | 33,881,000 | 32,911,000 | 31,362,000 |
| Equity capital | 16,473,000 | 17,335,000 | 17,910,000 | 18,311,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,279,000 | 4,594,000 | 7,136,000 | 9,727,000 |
| Interest expense | 369,000 | 758,000 | 1,169,000 | 1,602,000 |
| Net interest income | 1,910,000 | 3,836,000 | 5,967,000 | 8,125,000 |
| Noninterest income | 576,000 | 1,412,000 | 2,301,000 | 3,003,000 |
| Noninterest expense | 1,239,000 | 2,526,000 | 3,862,000 | 5,398,000 |
| Provision for loan losses | 60,000 | 135,000 | 240,000 | 345,000 |
| Pretax income | 1,187,000 | 2,587,000 | 4,166,000 | 5,385,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,187,000 | 2,587,000 | 4,166,000 | 5,385,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,473,000 | 17,288,000 | 17,861,000 | 18,263,000 |
| Total capital | 17,862,000 | 18,752,000 | 19,328,000 | 19,835,000 |
| Risk-weighted assets | 151,649,000 | 162,329,000 | 166,755,000 | 182,645,000 |
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