Call reports 2019
CITIZENS COMMUNITY BANK — 2019
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 231,517,000 | 231,562,000 | 235,967,000 | 241,521,000 |
| Total loans | 155,781,000 | 153,354,000 | 156,035,000 | 152,444,000 |
| Allowance for loan losses | 2,423,000 | 2,546,000 | 2,819,000 | 2,934,000 |
| Securities available for sale | 36,235,000 | 35,600,000 | 35,864,000 | 36,293,000 |
| Securities held to maturity | 696,000 | 704,000 | 711,000 | 719,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,586,000 | 198,858,000 | 202,094,000 | 208,217,000 |
| Interest-bearing deposits | 166,196,000 | 167,141,000 | 165,535,000 | 168,797,000 |
| Noninterest-bearing deposits | 33,390,000 | 31,717,000 | 36,559,000 | 39,420,000 |
| Equity capital | 29,027,000 | 29,926,000 | 31,017,000 | 30,740,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,027,000 | 6,142,000 | 9,265,000 | 12,359,000 |
| Interest expense | 454,000 | 966,000 | 1,483,000 | 1,995,000 |
| Net interest income | 2,573,000 | 5,176,000 | 7,782,000 | 10,364,000 |
| Noninterest income | 201,000 | 410,000 | 645,000 | 863,000 |
| Noninterest expense | 1,323,000 | 2,574,000 | 3,770,000 | 4,918,000 |
| Provision for loan losses | 255,000 | 455,000 | 718,000 | 978,000 |
| Pretax income | 1,196,000 | 2,557,000 | 3,939,000 | 5,331,000 |
| Income tax | 174,000 | 625,000 | 974,000 | 1,306,000 |
| Net income | 1,022,000 | 1,932,000 | 2,965,000 | 4,025,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,245,000 | 29,772,000 | 30,805,000 | 30,480,000 |
| Total capital | 31,384,000 | 31,884,000 | 32,951,000 | 32,556,000 |
| Risk-weighted assets | 170,907,000 | 168,586,000 | 171,037,000 | 165,241,000 |