Call reports 2015
CITIZENS COMMUNITY BANK — 2015
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 192,590,000 | 193,109,000 | 198,747,000 | 202,767,000 |
| Total loans | 125,956,000 | 124,983,000 | 131,041,000 | 134,406,000 |
| Allowance for loan losses | 3,147,000 | 3,229,000 | 2,918,000 | 3,011,000 |
| Securities available for sale | 36,630,000 | 36,548,000 | 36,844,000 | 37,100,000 |
| Securities held to maturity | 587,000 | 594,000 | 600,000 | 606,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,255,000 | 168,184,000 | 172,941,000 | 177,322,000 |
| Interest-bearing deposits | 140,873,000 | 140,962,000 | 142,246,000 | 143,674,000 |
| Noninterest-bearing deposits | 26,382,000 | 27,222,000 | 30,695,000 | 33,648,000 |
| Equity capital | 22,765,000 | 22,654,000 | 23,264,000 | 23,004,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,454,000 | 4,909,000 | 7,415,000 | 9,943,000 |
| Interest expense | 192,000 | 381,000 | 566,000 | 747,000 |
| Net interest income | 2,262,000 | 4,528,000 | 6,849,000 | 9,196,000 |
| Noninterest income | 195,000 | 354,000 | 562,000 | 736,000 |
| Noninterest expense | 1,232,000 | 2,377,000 | 3,720,000 | 4,918,000 |
| Provision for loan losses | 100,000 | 250,000 | 350,000 | 450,000 |
| Pretax income | 1,125,000 | 2,256,000 | 3,342,000 | 4,564,000 |
| Income tax | 386,000 | 773,000 | 1,143,000 | 1,543,000 |
| Net income | 739,000 | 1,483,000 | 2,199,000 | 3,021,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,458,000 | 22,580,000 | 23,045,000 | 22,795,000 |
| Total capital | 24,808,000 | 25,112,000 | 24,940,000 | 24,741,000 |
| Risk-weighted assets | 187,277,000 | 201,886,000 | 150,559,000 | 154,596,000 |