Call reports 2020
CITIZENS STATE BANK - LA CROSSE — 2020
What CITIZENS STATE BANK - LA CROSSE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 345,035,000 | 378,352,000 | 377,916,000 | 403,491,000 |
| Total loans | 313,861,000 | 339,302,000 | 354,770,000 | 352,612,000 |
| Allowance for loan losses | 2,368,000 | 2,591,000 | 2,771,000 | 2,997,000 |
| Securities available for sale | 3,787,000 | 3,272,000 | 3,265,000 | 3,098,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 292,221,000 | 323,864,000 | 321,879,000 | 347,917,000 |
| Interest-bearing deposits | 229,229,000 | 230,927,000 | 227,703,000 | 234,179,000 |
| Noninterest-bearing deposits | 62,993,000 | 92,937,000 | 94,176,000 | 113,738,000 |
| Equity capital | 29,119,000 | 32,203,000 | 33,674,000 | 34,462,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,482,000 | 9,982,000 | 14,683,000 | 19,332,000 |
| Interest expense | 1,022,000 | 1,902,000 | 2,717,000 | 3,475,000 |
| Net interest income | 3,460,000 | 8,080,000 | 11,966,000 | 15,857,000 |
| Noninterest income | 1,070,000 | 3,042,000 | 5,135,000 | 6,886,000 |
| Noninterest expense | 1,902,000 | 4,049,000 | 6,004,000 | 8,684,000 |
| Provision for loan losses | 120,000 | 345,000 | 570,000 | 795,000 |
| Pretax income | 2,508,000 | 6,728,000 | 10,527,000 | 13,264,000 |
| Income tax | 6,000 | 14,000 | 19,000 | 23,000 |
| Net income | 2,502,000 | 6,714,000 | 10,508,000 | 13,241,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,951,000 | 31,959,000 | 33,524,000 | 34,332,000 |
| Total capital | 31,319,000 | 34,550,000 | 36,295,000 | 37,329,000 |
| Risk-weighted assets | 293,456,000 | 293,010,000 | 307,597,000 | 334,470,000 |