Call reports 2009
CITIZENS COMMUNITY BANK — 2009
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 156,889,000 | 158,689,000 | 162,285,000 | 164,702,000 |
| Total loans | 119,630,000 | 122,742,000 | 125,370,000 | 127,927,000 |
| Allowance for loan losses | 1,335,000 | 1,490,000 | 1,569,000 | 2,260,000 |
| Securities available for sale | 19,311,000 | 19,157,000 | 20,499,000 | 19,746,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,247,000 | 131,848,000 | 134,807,000 | 136,057,000 |
| Interest-bearing deposits | 116,882,000 | 118,345,000 | 119,892,000 | 122,106,000 |
| Noninterest-bearing deposits | 13,365,000 | 13,503,000 | 14,915,000 | 13,951,000 |
| Equity capital | 16,967,000 | 17,172,000 | 17,946,000 | 17,229,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,716,000 | 5,461,000 | 8,128,000 | 10,805,000 |
| Interest expense | 849,000 | 1,660,000 | 2,429,000 | 3,143,000 |
| Net interest income | 1,867,000 | 3,801,000 | 5,699,000 | 7,662,000 |
| Noninterest income | 204,000 | 412,000 | 747,000 | 981,000 |
| Noninterest expense | 1,034,000 | 2,139,000 | 3,279,000 | 4,271,000 |
| Provision for loan losses | 250,000 | 500,000 | 925,000 | 2,050,000 |
| Pretax income | 787,000 | 1,574,000 | 2,242,000 | 2,322,000 |
| Income tax | 270,000 | 535,000 | 718,000 | 687,000 |
| Net income | 517,000 | 1,039,000 | 1,524,000 | 1,635,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,820,000 | 17,013,000 | 17,498,000 | 16,832,000 |
| Total capital | 18,155,000 | 18,503,000 | 19,067,000 | 18,590,000 |
| Risk-weighted assets | 132,373,000 | 135,546,000 | 137,155,000 | 140,178,000 |