Call reports 2018
CITIZENS COMMUNITY BANK — 2018
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 228,748,000 | 214,732,000 | 220,512,000 | 229,974,000 |
| Total loans | 148,471,000 | 146,797,000 | 152,096,000 | 154,873,000 |
| Allowance for loan losses | 1,778,000 | 1,922,000 | 2,215,000 | 2,157,000 |
| Securities available for sale | 43,758,000 | 40,677,000 | 38,927,000 | 35,011,000 |
| Securities held to maturity | 667,000 | 674,000 | 682,000 | 689,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,756,000 | 185,188,000 | 189,833,000 | 199,614,000 |
| Interest-bearing deposits | 165,976,000 | 155,061,000 | 154,417,000 | 158,765,000 |
| Noninterest-bearing deposits | 33,780,000 | 30,127,000 | 35,416,000 | 40,849,000 |
| Equity capital | 26,437,000 | 26,947,000 | 28,009,000 | 27,725,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,819,000 | 5,675,000 | 8,582,000 | 11,543,000 |
| Interest expense | 222,000 | 454,000 | 725,000 | 1,064,000 |
| Net interest income | 2,597,000 | 5,221,000 | 7,857,000 | 10,479,000 |
| Noninterest income | 257,000 | 522,000 | 943,000 | 1,122,000 |
| Noninterest expense | 1,304,000 | 2,612,000 | 4,000,000 | 5,393,000 |
| Provision for loan losses | 150,000 | 450,000 | 750,000 | 880,000 |
| Pretax income | 1,400,000 | 2,681,000 | 4,050,000 | 5,328,000 |
| Income tax | 339,000 | 648,000 | 884,000 | 1,267,000 |
| Net income | 1,061,000 | 2,033,000 | 3,166,000 | 4,061,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,909,000 | 27,504,000 | 28,637,000 | 28,224,000 |
| Total capital | 28,687,000 | 29,426,000 | 30,806,000 | 30,381,000 |
| Risk-weighted assets | 162,870,000 | 169,762,000 | 173,488,000 | 176,827,000 |