Call reports 2007
CITIZENS COMMUNITY BANK — 2007
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 216,809,000 | 219,291,000 | 226,658,000 | 227,576,000 |
| Total loans | 135,711,000 | 140,387,000 | 146,496,000 | 147,803,000 |
| Allowance for loan losses | 1,350,000 | 1,345,000 | 1,386,000 | 1,443,000 |
| Securities available for sale | 7,546,000 | 9,058,000 | 11,354,000 | 33,634,000 |
| Securities held to maturity | 54,514,000 | 50,457,000 | 49,058,000 | 26,129,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,374,000 | 183,425,000 | 187,315,000 | 185,717,000 |
| Interest-bearing deposits | 176,006,000 | 168,651,000 | 174,413,000 | 170,789,000 |
| Noninterest-bearing deposits | 14,368,000 | 14,774,000 | 12,902,000 | 14,928,000 |
| Equity capital | 19,551,000 | 20,100,000 | 20,787,000 | 21,463,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,365,000 | 6,849,000 | 10,415,000 | 13,950,000 |
| Interest expense | 1,862,000 | 3,769,000 | 5,715,000 | 7,642,000 |
| Net interest income | 1,503,000 | 3,080,000 | 4,700,000 | 6,308,000 |
| Noninterest income | 176,000 | 386,000 | 627,000 | 862,000 |
| Noninterest expense | 852,000 | 1,662,000 | 2,503,000 | 3,250,000 |
| Provision for loan losses | 40,000 | 80,000 | 125,000 | 175,000 |
| Pretax income | 787,000 | 1,724,000 | 2,699,000 | 3,745,000 |
| Income tax | 276,000 | 611,000 | 956,000 | 1,321,000 |
| Net income | 511,000 | 1,113,000 | 1,743,000 | 2,424,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,542,000 | 20,144,000 | 20,774,000 | 21,445,000 |
| Total capital | 20,892,000 | 21,489,000 | 22,160,000 | 22,888,000 |
| Risk-weighted assets | 140,206,000 | 139,271,000 | 143,977,000 | 149,466,000 |