Call reports 2023
CITIZENS COMMUNITY BANK — 2023
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 319,097,000 | 303,639,000 | 301,949,000 | 315,286,000 |
| Total loans | 179,668,000 | 189,993,000 | 199,688,000 | 207,571,000 |
| Allowance for loan losses | 3,842,000 | 3,582,000 | 3,714,000 | 3,864,000 |
| Securities available for sale | 79,533,000 | 77,545,000 | 73,854,000 | 75,182,000 |
| Securities held to maturity | 825,000 | 834,000 | 843,000 | 852,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 283,404,000 | 267,482,000 | 265,666,000 | 277,791,000 |
| Interest-bearing deposits | 226,628,000 | 213,458,000 | 216,323,000 | 223,219,000 |
| Noninterest-bearing deposits | 56,776,000 | 54,024,000 | 49,343,000 | 54,572,000 |
| Equity capital | 32,646,000 | 33,147,000 | 32,727,000 | 34,224,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,834,000 | 7,943,000 | 12,199,000 | 16,747,000 |
| Interest expense | 737,000 | 1,732,000 | 3,056,000 | 4,566,000 |
| Net interest income | 3,097,000 | 6,211,000 | 9,143,000 | 12,181,000 |
| Noninterest income | 249,000 | 607,000 | 874,000 | 1,118,000 |
| Noninterest expense | 1,434,000 | 2,910,000 | 4,442,000 | 5,963,000 |
| Provision for loan losses | 0 | 0 | 150,000 | 300,000 |
| Pretax income | 1,919,000 | 3,920,000 | 5,437,000 | 7,048,000 |
| Income tax | 482,000 | 986,000 | 1,365,000 | 1,696,000 |
| Net income | 1,437,000 | 2,934,000 | 4,072,000 | 5,352,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,927,000 | 42,037,000 | 43,175,000 | 42,750,000 |
| Total capital | 43,766,000 | — | — | — |
| Risk-weighted assets | 226,185,000 | — | — | — |