Call reports 2021
CITIZENS STATE BANK - LA CROSSE — 2021
What CITIZENS STATE BANK - LA CROSSE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 408,452,000 | 407,603,000 | 411,249,000 | 451,795,000 |
| Total loans | 359,582,000 | 373,194,000 | 384,365,000 | 400,349,000 |
| Allowance for loan losses | 3,093,000 | 3,168,000 | 3,243,000 | 3,320,000 |
| Securities available for sale | 2,568,000 | 2,126,000 | 2,113,000 | 1,945,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 347,957,000 | 336,956,000 | 339,634,000 | 373,531,000 |
| Interest-bearing deposits | 241,227,000 | 226,767,000 | 221,613,000 | 241,533,000 |
| Noninterest-bearing deposits | 106,731,000 | 110,189,000 | 118,021,000 | 131,999,000 |
| Equity capital | 36,092,000 | 37,692,000 | 38,808,000 | 40,507,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 5,032,000 | 9,850,000 | 14,563,000 | 19,336,000 |
| Interest expense | 659,000 | 1,266,000 | 1,836,000 | 2,383,000 |
| Net interest income | 4,373,000 | 8,584,000 | 12,727,000 | 16,953,000 |
| Noninterest income | 1,466,000 | 2,932,000 | 4,416,000 | 5,848,000 |
| Noninterest expense | 2,053,000 | 4,392,000 | 6,890,000 | 9,383,000 |
| Provision for loan losses | 100,000 | 175,000 | 250,000 | 325,000 |
| Pretax income | 3,686,000 | 6,949,000 | 10,003,000 | 13,093,000 |
| Income tax | 0 | 6,000 | 10,000 | 14,000 |
| Net income | 3,686,000 | 6,943,000 | 9,993,000 | 13,079,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,803,000 | 37,424,000 | 38,565,000 | 40,290,000 |
| Total capital | 38,896,000 | 40,592,000 | 41,808,000 | 43,610,000 |
| Risk-weighted assets | 334,590,000 | 352,892,000 | 376,565,000 | 391,785,000 |