Call reports 2012
CITIZENS COMMUNITY BANK — 2012
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 171,509,000 | 172,185,000 | 172,366,000 | 174,404,000 |
| Total loans | 120,059,000 | 122,868,000 | 122,809,000 | 124,932,000 |
| Allowance for loan losses | 2,367,000 | 2,496,000 | 2,617,000 | 2,927,000 |
| Securities available for sale | 21,114,000 | 22,159,000 | 22,713,000 | 23,314,000 |
| Securities held to maturity | 517,000 | 522,000 | 528,000 | 534,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,875,000 | 150,333,000 | 149,725,000 | 152,348,000 |
| Interest-bearing deposits | 131,632,000 | 131,400,000 | 131,544,000 | 131,670,000 |
| Noninterest-bearing deposits | 18,243,000 | 18,933,000 | 18,181,000 | 20,678,000 |
| Equity capital | 19,156,000 | 19,475,000 | 20,104,000 | 19,792,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,429,000 | 4,894,000 | 7,410,000 | 9,899,000 |
| Interest expense | 307,000 | 602,000 | 882,000 | 1,143,000 |
| Net interest income | 2,122,000 | 4,292,000 | 6,528,000 | 8,756,000 |
| Noninterest income | 197,000 | 373,000 | 595,000 | 835,000 |
| Noninterest expense | 1,055,000 | 2,126,000 | 3,209,000 | 4,224,000 |
| Provision for loan losses | 450,000 | 875,000 | 1,325,000 | 1,750,000 |
| Pretax income | 927,000 | 1,777,000 | 2,705,000 | 3,713,000 |
| Income tax | 316,000 | 594,000 | 918,000 | 1,206,000 |
| Net income | 611,000 | 1,183,000 | 1,787,000 | 2,507,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,755,000 | 18,974,000 | 19,579,000 | 19,373,000 |
| Total capital | 20,494,000 | 20,766,000 | 21,382,000 | 21,186,000 |
| Risk-weighted assets | 142,367,000 | 147,081,000 | 147,230,000 | 148,848,000 |