Call reports 2019
CITIZENS STATE BANK - LA CROSSE — 2019
What CITIZENS STATE BANK - LA CROSSE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 290,759,000 | 298,124,000 | 308,253,000 | 329,986,000 |
| Total loans | 261,347,000 | 269,035,000 | 275,222,000 | 302,398,000 |
| Allowance for loan losses | 1,983,000 | 2,055,000 | 2,136,000 | 2,251,000 |
| Securities available for sale | 4,346,000 | 4,598,000 | 4,607,000 | 4,610,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,384,000 | 246,513,000 | 257,485,000 | 278,467,000 |
| Interest-bearing deposits | 200,107,000 | 197,124,000 | 202,516,000 | 224,657,000 |
| Noninterest-bearing deposits | 40,277,000 | 49,389,000 | 54,969,000 | 53,810,000 |
| Equity capital | 24,752,000 | 25,912,000 | 26,933,000 | 27,870,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,855,000 | 7,846,000 | 12,018,000 | 16,352,000 |
| Interest expense | 921,000 | 1,886,000 | 2,910,000 | 3,935,000 |
| Net interest income | 2,934,000 | 5,960,000 | 9,108,000 | 12,417,000 |
| Noninterest income | 745,000 | 1,797,000 | 2,947,000 | 4,002,000 |
| Noninterest expense | 1,721,000 | 3,707,000 | 5,607,000 | 7,822,000 |
| Provision for loan losses | 40,000 | 125,000 | 205,000 | 325,000 |
| Pretax income | 1,918,000 | 3,925,000 | 6,243,000 | 8,272,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,918,000 | 3,925,000 | 6,243,000 | 8,272,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,582,000 | 25,708,000 | 26,718,000 | 27,696,000 |
| Total capital | 26,565,000 | 27,763,000 | 28,854,000 | 29,947,000 |
| Risk-weighted assets | 241,866,000 | 251,255,000 | 257,755,000 | 283,599,000 |