Call reports 2016
CITIZENS COMMUNITY BANK — 2016
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 203,757,000 | 203,700,000 | 209,847,000 | 220,383,000 |
| Total loans | 138,993,000 | 142,330,000 | 139,492,000 | 137,872,000 |
| Allowance for loan losses | 3,118,000 | 3,597,000 | 3,574,000 | 3,519,000 |
| Securities available for sale | 36,003,000 | 36,326,000 | 35,173,000 | 34,128,000 |
| Securities held to maturity | 613,000 | 619,000 | 626,000 | 633,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,307,000 | 176,846,000 | 182,141,000 | 193,648,000 |
| Interest-bearing deposits | 144,197,000 | 143,193,000 | 144,952,000 | 149,854,000 |
| Noninterest-bearing deposits | 33,110,000 | 33,653,000 | 37,189,000 | 43,794,000 |
| Equity capital | 23,825,000 | 24,307,000 | 25,041,000 | 24,356,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,629,000 | 5,249,000 | 7,927,000 | 10,581,000 |
| Interest expense | 180,000 | 363,000 | 545,000 | 733,000 |
| Net interest income | 2,449,000 | 4,886,000 | 7,382,000 | 9,848,000 |
| Noninterest income | 184,000 | 333,000 | 496,000 | 684,000 |
| Noninterest expense | 1,217,000 | 2,446,000 | 3,678,000 | 4,936,000 |
| Provision for loan losses | 150,000 | 250,000 | 250,000 | 250,000 |
| Pretax income | 1,267,000 | 2,524,000 | 3,951,000 | 5,347,000 |
| Income tax | 441,000 | 869,000 | 1,384,000 | 1,856,000 |
| Net income | 826,000 | 1,655,000 | 2,567,000 | 3,491,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,501,000 | 23,834,000 | 24,626,000 | 24,450,000 |
| Total capital | 25,436,000 | 25,840,000 | 26,575,000 | 26,373,000 |
| Risk-weighted assets | 153,690,000 | 158,916,000 | 154,336,000 | 152,273,000 |