Call reports 2024
CITIZENS COMMUNITY BANK — 2024
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 331,958,000 | 334,468,000 | 344,747,000 | 347,583,000 |
| Total loans | 212,633,000 | 208,684,000 | 211,343,000 | 213,582,000 |
| Allowance for loan losses | 4,002,000 | 4,034,000 | 3,276,000 | 3,287,000 |
| Securities available for sale | 72,983,000 | 73,646,000 | 73,942,000 | 67,778,000 |
| Securities held to maturity | 861,000 | 870,000 | 880,000 | 889,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 285,765,000 | 286,659,000 | 293,136,000 | 306,419,000 |
| Interest-bearing deposits | 234,985,000 | 236,790,000 | 242,744,000 | 253,509,000 |
| Noninterest-bearing deposits | 50,780,000 | 49,869,000 | 50,392,000 | 52,910,000 |
| Equity capital | 34,738,000 | 36,153,000 | 39,396,000 | 37,252,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 4,798,000 | 9,843,000 | 14,876,000 | 20,180,000 |
| Interest expense | 1,768,000 | 3,771,000 | 5,852,000 | 7,841,000 |
| Net interest income | 3,030,000 | 6,072,000 | 9,024,000 | 12,339,000 |
| Noninterest income | 227,000 | 470,000 | 725,000 | 984,000 |
| Noninterest expense | 1,514,000 | 3,118,000 | 4,775,000 | 6,305,000 |
| Provision for loan losses | 150,000 | 200,000 | 350,000 | 350,000 |
| Pretax income | 1,593,000 | 3,224,000 | 4,624,000 | 6,668,000 |
| Income tax | 398,000 | 806,000 | 1,154,000 | 1,601,000 |
| Net income | 1,195,000 | 2,418,000 | 3,470,000 | 5,067,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,944,000 | 44,779,000 | 45,833,000 | 45,656,000 |