Call reports 2007
CITIZENS COMMUNITY BANK — 2007
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 142,043,000 | 140,757,000 | 145,609,000 | 147,980,000 |
| Total loans | 101,821,000 | 105,276,000 | 106,742,000 | 113,423,000 |
| Allowance for loan losses | 1,335,000 | 1,342,000 | 1,374,000 | 1,309,000 |
| Securities available for sale | 21,602,000 | 20,518,000 | 22,444,000 | 20,244,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,389,000 | 119,450,000 | 123,332,000 | 125,853,000 |
| Interest-bearing deposits | 105,654,000 | 105,550,000 | 108,859,000 | 111,458,000 |
| Noninterest-bearing deposits | 14,735,000 | 13,900,000 | 14,473,000 | 14,395,000 |
| Equity capital | 14,567,000 | 14,433,000 | 15,203,000 | 15,115,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,679,000 | 5,444,000 | 8,298,000 | 11,180,000 |
| Interest expense | 1,157,000 | 2,325,000 | 3,561,000 | 4,794,000 |
| Net interest income | 1,522,000 | 3,119,000 | 4,737,000 | 6,386,000 |
| Noninterest income | 194,000 | 405,000 | 612,000 | 825,000 |
| Noninterest expense | 824,000 | 1,706,000 | 2,550,000 | 3,428,000 |
| Provision for loan losses | 30,000 | 60,000 | 100,000 | 140,000 |
| Pretax income | 868,000 | 1,764,000 | 2,705,000 | 3,654,000 |
| Income tax | 304,000 | 622,000 | 957,000 | 1,277,000 |
| Net income | 564,000 | 1,142,000 | 1,748,000 | 2,377,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,617,000 | 14,647,000 | 15,254,000 | 15,050,000 |
| Total capital | 15,952,000 | 15,989,000 | 16,628,000 | 16,359,000 |
| Risk-weighted assets | 110,640,000 | 112,645,000 | 114,596,000 | 119,981,000 |