Citizens State Bank of La Crosse in La Crosse, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Citizens State Bank of La Crosse in La Crosse, Wisconsin (WI)
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Citizens State Bank of La Crosse routing number info

Citizens State Bank of La Crosse - Overview

  • General
  • FDIC Certificate #: 1513
    Status: Active
    Federal Reserve ID: 447557
    Bank Holding Company (Regulatory Top Holder): Clayton Bankshares, Inc. (RSSDID: 1123782, Location: La Crosse, WI)
    Date Established: December 09, 1907
    WWW: http://www.citizensstatebank.us
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 997
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: August 25, 2011
    Last Structure Change Process Date: August 26, 2011
    Last Data Update: August 26, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 620 Main Street, La Crosse, WI 54601
    County: La Crosse
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Eau Claire
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): La Crosse, WI-MN (#3870)
    Core Based Statistical Area (CBSA): La Crosse, WI-MN (#29100)
    CBSA Metro Statistical Area: La Crosse, WI-MN (#29100)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $112.0 mil
    Equity capital: $9.1 mil
    Deposits held in domestic offices: $95.9 mil
    Return on assets (ROA): 2.59% ($2.9 mil)
    Quarterly return on assets: 2.15% ($2.4 mil)
    Return on Equity (ROE): 31.85% ($2.9 mil)
    Quarterly return on equity: 25.92% ($2.3 mil)
    Net income: $2.7 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 2.59% ($2,901.5 mil)
    Quarterly Pretax return on assets: 2.15% ($2,408.6 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 35Total employees (full-time equivalent)
  • $112,027Total assets
  • $2,833Cash and due from depository institutions
  • $60Interest-bearing balances
  • $0Securities
  • $8,024Federal funds sold & reverse repurchase agreements
  • $98,971Net loans & leases
  • $894Loan loss allowance
  • $0Trading account assets
  • $1,005Bank premises and fixed assets
  • $158Other real estate owned
  • $0Goodwill and other intangibles
  • $112,027Life insurance assets
  • $1,036All other assets
  • $102,943Total liabilities and capital
  • $95,867Total liabilities
  • $80,748Total deposits
  • $95,867Interest-bearing deposits
  • $72Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,000Trading liabilities
  • $0Other borrowed funds
  • $76Subordinated debt
  • $9,084All other liabilities
  • $9,084Total equity capital
  • $9,084Total bank equity capital
  • $0Perpetual preferred stock
  • $110Common stock
  • $2,490Surplus
  • $6,484Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $56Income earned, not collected on loans
  • $0Earning assets
  • $363Long-term assets (5+ years)
  • $107,055Average Assets, year-to-date
  • $2,991Average Assets, quarterly
  • $102,882Volatile liabilities
  • $108,521Insider loans
  • $85,311FHLB advances
  • $108,104Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,084Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,701Restructured Loans and leases
  • $3,392Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,993Total interest income
  • $1,514Total interest expense
  • $4,479Net interest income
  • $165Provision for loan and lease losses
  • $1,203Total noninterest income
  • $0Fiduciary activities
  • $235Service charges on deposit accounts
  • $0Trading account gains & fees
  • $968Additional noninterest income
  • $2,857Total noninterest expense
  • $1,596Salaries and employee benefits
  • $581Premises and equipment expense
  • $680Additional noninterest expense
  • $2,660Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $2,660Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,660Net income attributable to bank
  • $0Net charge-offs
  • $2,660Cash dividends
  • $3Sale, conversion, retirement of capital stock, net
  • $1,229Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.11%Yield on earning assets
  • 1.54%Cost of funding earning assets
  • 4.56%Net interest margin
  • 1.23%Noninterest income to earning assets
  • 2.91%Noninterest expense to earning assets
  • 2.59%Net operating income to assets
  • 2.59%Return on assets (ROA)
  • 2.59%Pretax return on assets
  • 31.85%Return on equity (ROE)
  • 17.13%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 5500.00%Credit loss provision to net charge-offs
  • 941.67%Efficiency ratio
  • 50,282Assets per employee
  • 3.20%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 46.20%Loss allowance to loans
  • 0.90%Loss allowance to noncurrent loans
  • 1596.43%Noncurrent assets plus other real estate owned to assets
  • 0.19%Noncurrent loans to loans
  • 0.06%Net loans and leases to deposits
  • 103.24%Net loans and leases to core deposits
  • 136.29%Equity capital to assets
  • 8.11%Core capital (leverage) ratio
  • 8.40%Tier 1 risk-based capital ratio
  • 10.65%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $102,882Average earning assets
  • $8,352Average equity
  • $98,137Average loans

List of branches

  • 5 Wisconsin Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    0997Citizens State Bank Of La Crosse620 Main Street, La Crosse, WI 54601December 09, 1907Full Service Brick and Mortar
    1443995La Crosse Branch620 Main Street, La Crosse, WI 54601August 16, 2005Full Service Brick and Mortar
    2474313Onalaska Branch625 Main Street, Onalaska, WI 54650April 21, 2008Full Service Brick and Mortar
    3510346Eau Claire Branch4235 Southtowne Dr, Eau Claire, WI 54701April 01, 2010Full Service Brick and Mortar
    4522191Clayton Branch101 Prentice Street, South, Clayton, WI 54004August 26, 2011Full Service Brick and Mortar

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