Call reports 2014
CITIZENS COMMUNITY BANK — 2014
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 187,122,000 | 191,084,000 | 194,613,000 | 204,489,000 |
| Total loans | 124,718,000 | 128,294,000 | 128,373,000 | 125,588,000 |
| Allowance for loan losses | 3,183,000 | 3,168,000 | 3,038,000 | 3,050,000 |
| Securities available for sale | 30,872,000 | 32,273,000 | 34,948,000 | 34,794,000 |
| Securities held to maturity | 563,000 | 569,000 | 575,000 | 581,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,295,000 | 167,269,000 | 169,963,000 | 179,853,000 |
| Interest-bearing deposits | 141,355,000 | 142,485,000 | 139,759,000 | 137,579,000 |
| Noninterest-bearing deposits | 21,940,000 | 24,784,000 | 30,204,000 | 42,274,000 |
| Equity capital | 21,161,000 | 21,514,000 | 22,203,000 | 22,188,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,506,000 | 5,056,000 | 7,573,000 | 10,037,000 |
| Interest expense | 209,000 | 417,000 | 620,000 | 818,000 |
| Net interest income | 2,297,000 | 4,639,000 | 6,953,000 | 9,219,000 |
| Noninterest income | 146,000 | 276,000 | 576,000 | 736,000 |
| Noninterest expense | 1,188,000 | 2,402,000 | 3,585,000 | 4,715,000 |
| Provision for loan losses | 25,000 | 75,000 | 150,000 | 225,000 |
| Pretax income | 1,230,000 | 2,438,000 | 3,794,000 | 5,015,000 |
| Income tax | 417,000 | 833,000 | 1,304,000 | 1,702,000 |
| Net income | 813,000 | 1,605,000 | 2,490,000 | 3,313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,374,000 | 21,540,000 | 22,175,000 | 21,969,000 |
| Total capital | 23,390,000 | 23,623,000 | 24,342,000 | 24,088,000 |
| Risk-weighted assets | 164,534,000 | 170,747,000 | 172,500,000 | 168,559,000 |