Call reports 2022
CITIZENS COMMUNITY BANK — 2022
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 307,924,000 | 301,177,000 | 314,028,000 | 344,606,000 |
| Total loans | 160,837,000 | 167,860,000 | 175,116,000 | 178,694,000 |
| Allowance for loan losses | 3,598,000 | 3,692,000 | 3,797,000 | 3,793,000 |
| Securities available for sale | 72,965,000 | 73,285,000 | 80,129,000 | 80,753,000 |
| Securities held to maturity | 791,000 | 799,000 | 808,000 | 817,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 271,315,000 | 268,293,000 | 280,341,000 | 311,075,000 |
| Interest-bearing deposits | 221,452,000 | 210,181,000 | 213,567,000 | 219,373,000 |
| Noninterest-bearing deposits | 49,863,000 | 58,112,000 | 66,774,000 | 91,702,000 |
| Equity capital | 33,706,000 | 30,307,000 | 30,895,000 | 31,215,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,765,000 | 6,307,000 | 9,833,000 | 13,413,000 |
| Interest expense | 203,000 | 422,000 | 652,000 | 1,064,000 |
| Net interest income | 2,562,000 | 5,885,000 | 9,181,000 | 12,349,000 |
| Noninterest income | 815,000 | 1,057,000 | 1,300,000 | 1,497,000 |
| Noninterest expense | 1,353,000 | 2,766,000 | 4,211,000 | 5,705,000 |
| Provision for loan losses | 0 | 100,000 | 200,000 | 200,000 |
| Pretax income | 2,024,000 | 4,076,000 | 6,070,000 | 7,941,000 |
| Income tax | 367,000 | 883,000 | 1,382,000 | 1,769,000 |
| Net income | 1,657,000 | 3,193,000 | 4,688,000 | 6,172,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,987,000 | 38,136,000 | 39,630,000 | 39,490,000 |
| Total capital | 39,361,000 | 40,711,000 | 42,353,000 | 42,365,000 |
| Risk-weighted assets | 188,711,000 | 204,948,000 | 216,819,000 | 229,088,000 |