Call reports 2006
CITIZENS COMMUNITY BANK — 2006
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 129,499,000 | 132,567,000 | 137,463,000 | 139,929,000 |
| Total loans | 94,299,000 | 98,077,000 | 97,971,000 | 99,428,000 |
| Allowance for loan losses | 1,296,000 | 1,309,000 | 1,301,000 | 1,304,000 |
| Securities available for sale | 17,912,000 | 19,277,000 | 20,119,000 | 21,538,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,188,000 | 112,559,000 | 116,645,000 | 119,137,000 |
| Interest-bearing deposits | 95,280,000 | 98,047,000 | 101,353,000 | 104,174,000 |
| Noninterest-bearing deposits | 13,908,000 | 14,512,000 | 15,292,000 | 14,963,000 |
| Equity capital | 13,589,000 | 13,375,000 | 14,115,000 | 13,980,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,297,000 | 4,745,000 | 7,311,000 | 9,999,000 |
| Interest expense | 821,000 | 1,777,000 | 2,842,000 | 3,976,000 |
| Net interest income | 1,476,000 | 2,968,000 | 4,469,000 | 6,023,000 |
| Noninterest income | 269,000 | 461,000 | 646,000 | 858,000 |
| Noninterest expense | 760,000 | 1,517,000 | 2,291,000 | 3,111,000 |
| Provision for loan losses | 23,000 | 45,000 | 60,000 | 75,000 |
| Pretax income | 962,000 | 1,867,000 | 2,764,000 | 3,680,000 |
| Income tax | 344,000 | 666,000 | 989,000 | 1,295,000 |
| Net income | 618,000 | 1,201,000 | 1,775,000 | 2,385,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,754,000 | 13,680,000 | 14,253,000 | 14,054,000 |
| Total capital | 15,034,000 | 14,989,000 | 15,554,000 | 15,358,000 |
| Risk-weighted assets | 102,398,000 | 105,721,000 | 105,612,000 | 108,369,000 |