Call reports 2006
CITIZENS COMMUNITY BANK — 2006
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 222,921,000 | 213,545,000 | 220,668,000 | 218,522,000 |
| Total loans | 126,222,000 | 127,888,000 | 136,144,000 | 137,052,000 |
| Allowance for loan losses | 1,231,000 | 1,230,000 | 1,273,000 | 1,307,000 |
| Securities available for sale | 1,726,000 | 4,223,000 | 4,211,000 | 4,013,000 |
| Securities held to maturity | 59,732,000 | 58,632,000 | 58,031,000 | 57,015,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,787,000 | 177,683,000 | 178,315,000 | 185,265,000 |
| Interest-bearing deposits | 171,620,000 | 164,122,000 | 164,805,000 | 171,290,000 |
| Noninterest-bearing deposits | 15,167,000 | 13,561,000 | 13,510,000 | 13,975,000 |
| Equity capital | 17,551,000 | 18,043,000 | 18,655,000 | 19,220,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,068,000 | 6,222,000 | 9,530,000 | 12,869,000 |
| Interest expense | 1,569,000 | 3,261,000 | 5,025,000 | 6,894,000 |
| Net interest income | 1,499,000 | 2,961,000 | 4,505,000 | 5,975,000 |
| Noninterest income | 183,000 | 398,000 | 577,000 | 821,000 |
| Noninterest expense | 808,000 | 1,584,000 | 2,414,000 | 3,173,000 |
| Provision for loan losses | 45,000 | 95,000 | 135,000 | 185,000 |
| Pretax income | 829,000 | 1,680,000 | 2,533,000 | 3,438,000 |
| Income tax | 275,000 | 594,000 | 894,000 | 1,207,000 |
| Net income | 554,000 | 1,086,000 | 1,639,000 | 2,231,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,559,000 | 18,091,000 | 18,644,000 | 19,236,000 |
| Total capital | 18,790,000 | 19,321,000 | 19,917,000 | 20,543,000 |
| Risk-weighted assets | 132,373,000 | 132,631,000 | 136,470,000 | 137,395,000 |