Call reports 2018
CITIZENS STATE BANK - LA CROSSE — 2018
What CITIZENS STATE BANK - LA CROSSE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 248,911,000 | 260,376,000 | 270,488,000 | 280,047,000 |
| Total loans | 223,483,000 | 231,350,000 | 243,916,000 | 250,976,000 |
| Allowance for loan losses | 1,963,000 | 2,013,000 | 2,038,000 | 1,954,000 |
| Securities available for sale | 3,507,000 | 4,371,000 | 4,592,000 | 4,912,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,098,000 | 212,428,000 | 215,728,000 | 230,951,000 |
| Interest-bearing deposits | 166,051,000 | 165,701,000 | 178,392,000 | 190,648,000 |
| Noninterest-bearing deposits | 39,047,000 | 46,727,000 | 37,336,000 | 40,303,000 |
| Equity capital | 21,328,000 | 22,348,000 | 23,095,000 | 23,578,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,061,000 | 6,301,000 | 9,703,000 | 13,285,000 |
| Interest expense | 610,000 | 1,241,000 | 1,951,000 | 2,778,000 |
| Net interest income | 2,451,000 | 5,060,000 | 7,752,000 | 10,507,000 |
| Noninterest income | 751,000 | 1,688,000 | 2,553,000 | 3,223,000 |
| Noninterest expense | 1,503,000 | 3,271,000 | 4,838,000 | 6,766,000 |
| Provision for loan losses | 90,000 | 140,000 | 170,000 | 200,000 |
| Pretax income | 1,609,000 | 3,337,000 | 5,297,000 | 6,764,000 |
| Income tax | 0 | 6,000 | 6,000 | 6,000 |
| Net income | 1,609,000 | 3,331,000 | 5,291,000 | 6,758,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,186,000 | 22,293,000 | 23,042,000 | 23,503,000 |
| Total capital | 23,149,000 | 24,306,000 | 25,081,000 | 25,457,000 |
| Risk-weighted assets | 202,834,000 | 211,780,000 | 227,044,000 | 232,767,000 |