Call reports 2024
CITIZENS STATE BANK - LA CROSSE — 2024
What CITIZENS STATE BANK - LA CROSSE reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 635,075,000 | 648,432,000 | 657,415,000 | 684,372,000 |
| Total loans | 543,337,000 | 555,372,000 | 565,590,000 | 547,940,000 |
| Allowance for loan losses | 5,266,000 | 6,227,000 | 6,638,000 | 6,603,000 |
| Securities available for sale | 751,000 | 395,000 | 397,000 | 396,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 502,577,000 | 510,251,000 | 514,576,000 | 553,151,000 |
| Interest-bearing deposits | 403,288,000 | 418,361,000 | 410,781,000 | 426,636,000 |
| Noninterest-bearing deposits | 99,289,000 | 91,890,000 | 103,795,000 | 126,515,000 |
| Equity capital | 57,021,000 | 61,983,000 | 67,067,000 | 69,368,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 9,468,000 | 18,909,000 | 29,062,000 | 39,533,000 |
| Interest expense | 3,743,000 | 7,639,000 | 11,690,000 | 15,762,000 |
| Net interest income | 5,725,000 | 11,270,000 | 17,372,000 | 23,771,000 |
| Noninterest income | 852,000 | 2,116,000 | 3,371,000 | 4,472,000 |
| Noninterest expense | 2,874,000 | 5,570,000 | 8,658,000 | 12,111,000 |
| Provision for loan losses | 1,480,000 | 2,450,000 | 2,862,000 | 3,028,000 |
| Pretax income | 2,223,000 | 5,366,000 | 9,223,000 | 13,104,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,223,000 | 5,366,000 | 9,223,000 | 13,104,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,865,000 | 61,864,000 | 66,838,000 | 69,181,000 |
| Total capital | 62,474,000 | 68,434,000 | 73,636,000 | — |
| Risk-weighted assets | 527,572,000 | 535,008,000 | 543,661,000 | — |