Call reports 2025
CITIZENS STATE BANK - LA CROSSE — 2025
What CITIZENS STATE BANK - LA CROSSE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 684,483,000 | 662,483,000 | 663,417,000 | 658,270,000 |
| Total loans | 546,989,000 | 541,215,000 | 552,216,000 | 539,507,000 |
| Allowance for loan losses | 6,920,000 | 6,960,000 | 7,298,000 | 7,427,000 |
| Securities available for sale | 399,000 | 402,000 | 404,000 | 405,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 556,046,000 | 533,598,000 | 540,686,000 | 517,601,000 |
| Interest-bearing deposits | 454,251,000 | 437,412,000 | 442,192,000 | 417,881,000 |
| Noninterest-bearing deposits | 101,795,000 | 96,186,000 | 98,494,000 | 99,720,000 |
| Equity capital | 71,727,000 | 74,654,000 | 77,716,000 | 80,399,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 9,899,000 | 19,923,000 | 30,242,000 | 40,570,000 |
| Interest expense | 3,899,000 | 7,808,000 | 11,589,000 | 15,217,000 |
| Net interest income | 6,000,000 | 12,115,000 | 18,653,000 | 25,353,000 |
| Noninterest income | 940,000 | 2,380,000 | 4,267,000 | 5,944,000 |
| Noninterest expense | 2,843,000 | 5,856,000 | 9,102,000 | 12,910,000 |
| Provision for loan losses | 270,000 | 394,000 | 877,000 | 1,027,000 |
| Pretax income | 3,827,000 | 8,245,000 | 12,941,000 | 17,360,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,827,000 | 8,245,000 | 12,941,000 | 17,360,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,565,000 | 74,563,000 | 77,627,000 | 80,313,000 |