Call reports 2011
CITIZENS COMMUNITY BANK — 2011
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 169,831,000 | 171,056,000 | 168,538,000 | 170,618,000 |
| Total loans | 123,579,000 | 125,380,000 | 125,321,000 | 120,671,000 |
| Allowance for loan losses | 2,707,000 | 3,082,000 | 2,584,000 | 2,265,000 |
| Securities available for sale | 19,864,000 | 20,595,000 | 20,992,000 | 22,447,000 |
| Securities held to maturity | 495,000 | 501,000 | 506,000 | 511,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,650,000 | 150,767,000 | 147,214,000 | 149,619,000 |
| Interest-bearing deposits | 134,225,000 | 133,167,000 | 129,789,000 | 128,819,000 |
| Noninterest-bearing deposits | 15,425,000 | 17,600,000 | 17,425,000 | 20,800,000 |
| Equity capital | 18,005,000 | 18,224,000 | 18,757,000 | 18,790,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,566,000 | 5,155,000 | 7,669,000 | 10,112,000 |
| Interest expense | 486,000 | 932,000 | 1,316,000 | 1,659,000 |
| Net interest income | 2,080,000 | 4,223,000 | 6,353,000 | 8,453,000 |
| Noninterest income | 173,000 | 266,000 | 448,000 | 566,000 |
| Noninterest expense | 1,126,000 | 2,209,000 | 3,246,000 | 4,254,000 |
| Provision for loan losses | 580,000 | 1,080,000 | 1,630,000 | 2,205,000 |
| Pretax income | 547,000 | 1,201,000 | 1,926,000 | 2,561,000 |
| Income tax | 167,000 | 374,000 | 608,000 | 762,000 |
| Net income | 380,000 | 827,000 | 1,318,000 | 1,799,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,650,000 | 17,785,000 | 18,227,000 | 18,244,000 |
| Total capital | 19,419,000 | 19,585,000 | 20,026,000 | 20,153,000 |
| Risk-weighted assets | 140,571,000 | 144,722,000 | 145,407,000 | 155,284,000 |