Call reports 2008
CITIZENS COMMUNITY BANK — 2008
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 154,412,000 | 151,996,000 | 152,063,000 | 152,289,000 |
| Total loans | 117,174,000 | 116,592,000 | 115,534,000 | 117,728,000 |
| Allowance for loan losses | 1,273,000 | 1,324,000 | 983,000 | 1,088,000 |
| Securities available for sale | 18,586,000 | 17,807,000 | 18,430,000 | 18,699,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,190,000 | 129,182,000 | 128,486,000 | 126,469,000 |
| Interest-bearing deposits | 116,836,000 | 112,849,000 | 113,179,000 | 110,741,000 |
| Noninterest-bearing deposits | 14,354,000 | 16,333,000 | 15,307,000 | 15,728,000 |
| Equity capital | 15,843,000 | 15,750,000 | 16,374,000 | 16,393,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,869,000 | 5,576,000 | 8,291,000 | 10,992,000 |
| Interest expense | 1,163,000 | 2,193,000 | 3,134,000 | 4,025,000 |
| Net interest income | 1,706,000 | 3,383,000 | 5,157,000 | 6,967,000 |
| Noninterest income | 205,000 | 402,000 | 598,000 | 807,000 |
| Noninterest expense | 939,000 | 1,896,000 | 2,886,000 | 3,890,000 |
| Provision for loan losses | 20,000 | 50,000 | 110,000 | 260,000 |
| Pretax income | 952,000 | 1,839,000 | 2,759,000 | 3,624,000 |
| Income tax | 338,000 | 651,000 | 979,000 | 1,276,000 |
| Net income | 614,000 | 1,188,000 | 1,780,000 | 2,348,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,664,000 | 15,800,000 | 16,392,000 | 16,303,000 |
| Total capital | 16,937,000 | 17,124,000 | 17,375,000 | 17,391,000 |
| Risk-weighted assets | 128,011,000 | 127,583,000 | 127,871,000 | 129,168,000 |