Call reports 2017
CITIZENS COMMUNITY BANK — 2017
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 219,838,000 | 222,116,000 | 224,263,000 | 229,455,000 |
| Total loans | 140,447,000 | 143,061,000 | 149,121,000 | 147,522,000 |
| Allowance for loan losses | 3,525,000 | 3,328,000 | 3,369,000 | 1,633,000 |
| Securities available for sale | 40,291,000 | 42,672,000 | 41,566,000 | 42,786,000 |
| Securities held to maturity | 639,000 | 646,000 | 653,000 | 660,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 191,857,000 | 193,677,000 | 194,819,000 | 201,238,000 |
| Interest-bearing deposits | 155,408,000 | 155,101,000 | 161,516,000 | 161,488,000 |
| Noninterest-bearing deposits | 36,449,000 | 38,575,000 | 33,303,000 | 39,750,000 |
| Equity capital | 25,138,000 | 25,631,000 | 26,524,000 | 25,745,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,620,000 | 5,309,000 | 8,094,000 | 10,924,000 |
| Interest expense | 191,000 | 388,000 | 589,000 | 802,000 |
| Net interest income | 2,429,000 | 4,921,000 | 7,505,000 | 10,122,000 |
| Noninterest income | 153,000 | 339,000 | 586,000 | 825,000 |
| Noninterest expense | 1,292,000 | 2,589,000 | 3,913,000 | 5,225,000 |
| Provision for loan losses | 0 | 0 | 75,000 | 150,000 |
| Pretax income | 1,290,000 | 2,669,000 | 4,095,000 | 5,564,000 |
| Income tax | 453,000 | 939,000 | 1,442,000 | 2,254,000 |
| Net income | 837,000 | 1,730,000 | 2,653,000 | 3,310,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,167,000 | 25,443,000 | 26,366,000 | 25,848,000 |
| Total capital | 27,135,000 | 27,442,000 | 28,444,000 | 27,481,000 |
| Risk-weighted assets | 155,963,000 | 158,620,000 | 165,024,000 | 165,615,000 |