Call reports 2013
CITIZENS COMMUNITY BANK — 2013
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 180,994,000 | 178,438,000 | 179,870,000 | 185,127,000 |
| Total loans | 123,991,000 | 125,454,000 | 129,171,000 | 123,399,000 |
| Allowance for loan losses | 2,988,000 | 3,002,000 | 2,994,000 | 3,014,000 |
| Securities available for sale | 26,331,000 | 25,997,000 | 26,423,000 | 28,864,000 |
| Securities held to maturity | 539,000 | 545,000 | 551,000 | 557,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,933,000 | 155,773,000 | 156,834,000 | 162,361,000 |
| Interest-bearing deposits | 137,429,000 | 136,232,000 | 135,687,000 | 136,394,000 |
| Noninterest-bearing deposits | 20,504,000 | 19,541,000 | 21,147,000 | 25,967,000 |
| Equity capital | 20,343,000 | 20,161,000 | 20,443,000 | 20,444,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,495,000 | 4,955,000 | 7,470,000 | 10,016,000 |
| Interest expense | 246,000 | 480,000 | 707,000 | 928,000 |
| Net interest income | 2,249,000 | 4,475,000 | 6,763,000 | 9,088,000 |
| Noninterest income | 83,000 | 143,000 | 245,000 | 469,000 |
| Noninterest expense | 1,147,000 | 2,270,000 | 3,396,000 | 4,471,000 |
| Provision for loan losses | 150,000 | 280,000 | 408,000 | 558,000 |
| Pretax income | 1,035,000 | 2,068,000 | 3,204,000 | 4,528,000 |
| Income tax | 355,000 | 705,000 | 1,093,000 | 1,527,000 |
| Net income | 680,000 | 1,363,000 | 2,111,000 | 3,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,952,000 | 20,224,000 | 20,872,000 | 20,810,000 |
| Total capital | 21,752,000 | 22,042,000 | 22,911,000 | 22,815,000 |
| Risk-weighted assets | 147,797,000 | 147,750,000 | 165,989,000 | 163,169,000 |