Call reports 2021
CITIZENS COMMUNITY BANK — 2021
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 289,394,000 | 288,286,000 | 298,880,000 | 310,998,000 |
| Total loans | 157,386,000 | 160,480,000 | 158,185,000 | 156,544,000 |
| Allowance for loan losses | 3,518,000 | 3,484,000 | 3,551,000 | 3,576,000 |
| Securities available for sale | 52,970,000 | 60,659,000 | 59,707,000 | 66,167,000 |
| Securities held to maturity | 758,000 | 766,000 | 774,000 | 783,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 252,734,000 | 251,005,000 | 260,021,000 | 273,453,000 |
| Interest-bearing deposits | 205,828,000 | 205,768,000 | 207,408,000 | 217,418,000 |
| Noninterest-bearing deposits | 46,906,000 | 45,237,000 | 52,613,000 | 56,035,000 |
| Equity capital | 33,823,000 | 34,604,000 | 35,988,000 | 35,147,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,751,000 | 5,510,000 | 8,568,000 | 11,768,000 |
| Interest expense | 305,000 | 561,000 | 790,000 | 997,000 |
| Net interest income | 2,446,000 | 4,949,000 | 7,778,000 | 10,771,000 |
| Noninterest income | 232,000 | 452,000 | 624,000 | 894,000 |
| Noninterest expense | 1,346,000 | 2,680,000 | 4,061,000 | 5,472,000 |
| Provision for loan losses | 100,000 | 100,000 | 100,000 | 250,000 |
| Pretax income | 1,232,000 | 2,621,000 | 4,241,000 | 5,943,000 |
| Income tax | 305,000 | 651,000 | 1,057,000 | 1,416,000 |
| Net income | 927,000 | 1,970,000 | 3,184,000 | 4,527,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,661,000 | 34,318,000 | 35,532,000 | 35,329,000 |
| Total capital | 35,908,000 | 36,530,000 | 37,936,000 | 37,704,000 |
| Risk-weighted assets | 178,524,000 | 175,751,000 | 191,207,000 | 188,817,000 |