Call reports 2023
CITIZENS STATE BANK - LA CROSSE — 2023
What CITIZENS STATE BANK - LA CROSSE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 599,330,000 | 607,384,000 | 622,797,000 | 627,776,000 |
| Total loans | 518,067,000 | 527,559,000 | 535,155,000 | 544,914,000 |
| Allowance for loan losses | 3,637,000 | 3,712,000 | 3,787,000 | 3,788,000 |
| Securities available for sale | 1,436,000 | 762,000 | 760,000 | 354,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 484,317,000 | 482,476,000 | 497,704,000 | 496,887,000 |
| Interest-bearing deposits | 371,495,000 | 369,250,000 | 391,235,000 | 388,252,000 |
| Noninterest-bearing deposits | 112,822,000 | 113,226,000 | 106,469,000 | 108,635,000 |
| Equity capital | 48,786,000 | 51,232,000 | 52,552,000 | 54,839,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 7,351,000 | 15,903,000 | 24,550,000 | 33,818,000 |
| Interest expense | 1,944,000 | 4,746,000 | 7,889,000 | 11,431,000 |
| Net interest income | 5,407,000 | 11,157,000 | 16,661,000 | 22,387,000 |
| Noninterest income | 798,000 | 1,848,000 | 2,967,000 | 4,031,000 |
| Noninterest expense | 2,766,000 | 5,248,000 | 8,082,000 | 10,972,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 575,000 |
| Pretax income | 3,364,000 | 7,607,000 | 11,321,000 | 14,871,000 |
| Income tax | 2,000 | -14,000 | -14,000 | -14,000 |
| Net income | 3,362,000 | 7,621,000 | 11,335,000 | 14,885,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,703,000 | 51,174,000 | 52,507,000 | 54,710,000 |
| Total capital | 52,340,000 | 54,886,000 | 56,294,000 | 58,842,000 |
| Risk-weighted assets | 508,565,000 | 519,971,000 | 514,547,000 | 530,860,000 |
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