Call reports 2020
CITIZENS COMMUNITY BANK — 2020
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 239,353,000 | 253,628,000 | 262,468,000 | 276,661,000 |
| Total loans | 156,010,000 | 165,607,000 | 159,502,000 | 154,450,000 |
| Allowance for loan losses | 3,292,000 | 3,474,000 | 3,480,000 | 3,475,000 |
| Securities available for sale | 38,640,000 | 35,886,000 | 38,720,000 | 41,924,000 |
| Securities held to maturity | 726,000 | 734,000 | 742,000 | 750,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,420,000 | 218,034,000 | 225,667,000 | 240,669,000 |
| Interest-bearing deposits | 172,792,000 | 177,780,000 | 183,150,000 | 197,126,000 |
| Noninterest-bearing deposits | 31,627,000 | 40,254,000 | 42,517,000 | 43,543,000 |
| Equity capital | 31,975,000 | 32,857,000 | 33,939,000 | 33,521,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,008,000 | 5,926,000 | 8,934,000 | 11,921,000 |
| Interest expense | 494,000 | 903,000 | 1,254,000 | 1,580,000 |
| Net interest income | 2,514,000 | 5,023,000 | 7,680,000 | 10,341,000 |
| Noninterest income | 319,000 | 506,000 | 850,000 | 992,000 |
| Noninterest expense | 1,255,000 | 2,538,000 | 3,823,000 | 5,014,000 |
| Provision for loan losses | 200,000 | 480,000 | 780,000 | 880,000 |
| Pretax income | 1,378,000 | 2,511,000 | 3,927,000 | 5,439,000 |
| Income tax | 344,000 | 624,000 | 951,000 | 1,329,000 |
| Net income | 1,034,000 | 1,887,000 | 2,976,000 | 4,110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,514,000 | 31,982,000 | 33,071,000 | 32,734,000 |
| Total capital | 33,695,000 | 34,279,000 | 35,154,000 | 34,932,000 |
| Risk-weighted assets | 173,416,000 | 182,643,000 | 165,292,000 | 174,570,000 |