Call reports 2022
CITIZENS STATE BANK - LA CROSSE — 2022
What CITIZENS STATE BANK - LA CROSSE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 465,702,000 | 510,869,000 | 535,352,000 | 551,193,000 |
| Total loans | 427,829,000 | 475,074,000 | 487,317,000 | 500,842,000 |
| Allowance for loan losses | 3,394,000 | 3,469,000 | 3,539,000 | 3,609,000 |
| Securities available for sale | 1,617,000 | 1,612,000 | 1,586,000 | 1,432,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 381,008,000 | 413,064,000 | 430,815,000 | 444,806,000 |
| Interest-bearing deposits | 264,264,000 | 302,137,000 | 307,511,000 | 318,232,000 |
| Noninterest-bearing deposits | 116,744,000 | 110,927,000 | 123,304,000 | 126,574,000 |
| Equity capital | 41,519,000 | 43,762,000 | 45,594,000 | 47,640,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 4,888,000 | 10,370,000 | 17,052,000 | 23,960,000 |
| Interest expense | 592,000 | 1,312,000 | 2,280,000 | 3,520,000 |
| Net interest income | 4,296,000 | 9,058,000 | 14,772,000 | 20,440,000 |
| Noninterest income | 1,122,000 | 2,377,000 | 3,539,000 | 4,547,000 |
| Noninterest expense | 2,470,000 | 4,879,000 | 7,594,000 | 10,292,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 2,873,000 | 6,406,000 | 10,492,000 | 14,395,000 |
| Income tax | 0 | 5,000 | 8,000 | 11,000 |
| Net income | 2,873,000 | 6,401,000 | 10,484,000 | 14,384,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,376,000 | 43,644,000 | 45,513,000 | 47,556,000 |
| Total capital | 44,770,000 | 47,113,000 | 49,052,000 | 51,165,000 |
| Risk-weighted assets | 424,813,000 | 457,522,000 | 486,004,000 | 503,904,000 |