Call reports 2010
CITIZENS COMMUNITY BANK — 2010
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 171,478,000 | 168,690,000 | 174,368,000 | 166,663,000 |
| Total loans | 123,441,000 | 128,314,000 | 128,583,000 | 125,996,000 |
| Allowance for loan losses | 2,058,000 | 2,131,000 | 2,042,000 | 2,426,000 |
| Securities available for sale | 22,558,000 | 19,359,000 | 17,670,000 | 17,089,000 |
| Securities held to maturity | 475,000 | 480,000 | 485,000 | 490,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,444,000 | 141,360,000 | 146,561,000 | 146,694,000 |
| Interest-bearing deposits | 129,136,000 | 127,520,000 | 130,075,000 | 130,357,000 |
| Noninterest-bearing deposits | 13,308,000 | 13,840,000 | 16,486,000 | 16,337,000 |
| Equity capital | 17,460,000 | 17,641,000 | 18,037,000 | 17,681,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,600,000 | 5,307,000 | 7,974,000 | 10,679,000 |
| Interest expense | 691,000 | 1,367,000 | 2,017,000 | 2,644,000 |
| Net interest income | 1,909,000 | 3,940,000 | 5,957,000 | 8,035,000 |
| Noninterest income | 233,000 | 457,000 | 548,000 | 734,000 |
| Noninterest expense | 1,133,000 | 2,178,000 | 3,117,000 | 4,237,000 |
| Provision for loan losses | 500,000 | 1,100,000 | 1,625,000 | 2,225,000 |
| Pretax income | 509,000 | 1,119,000 | 1,763,000 | 2,307,000 |
| Income tax | 152,000 | 343,000 | 545,000 | 732,000 |
| Net income | 357,000 | 776,000 | 1,218,000 | 1,575,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,047,000 | 17,208,000 | 17,551,000 | 17,370,000 |
| Total capital | 18,803,000 | 18,986,000 | 19,353,000 | 19,151,000 |
| Risk-weighted assets | 140,456,000 | 142,150,000 | 143,918,000 | 141,865,000 |