Call reports 2008
CITIZENS COMMUNITY BANK — 2008
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 231,245,000 | 238,911,000 | 240,013,000 | 235,930,000 |
| Total loans | 144,922,000 | 145,771,000 | 150,953,000 | 152,931,000 |
| Allowance for loan losses | 1,504,000 | 1,574,000 | 1,513,000 | 1,345,000 |
| Securities available for sale | 66,787,000 | 71,778,000 | 66,699,000 | 60,179,000 |
| Securities held to maturity | 2,453,000 | 1,754,000 | 1,754,000 | 1,638,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,536,000 | 194,124,000 | 203,501,000 | 202,353,000 |
| Interest-bearing deposits | 184,573,000 | 178,853,000 | 188,736,000 | 186,110,000 |
| Noninterest-bearing deposits | 16,963,000 | 15,271,000 | 14,765,000 | 16,243,000 |
| Equity capital | 21,843,000 | 22,152,000 | 22,278,000 | 23,357,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,314,000 | 6,654,000 | 10,030,000 | 13,439,000 |
| Interest expense | 1,844,000 | 3,475,000 | 5,111,000 | 6,668,000 |
| Net interest income | 1,470,000 | 3,179,000 | 4,919,000 | 6,771,000 |
| Noninterest income | 235,000 | 438,000 | 502,000 | 628,000 |
| Noninterest expense | 854,000 | 1,631,000 | 2,601,000 | 3,554,000 |
| Provision for loan losses | 75,000 | 150,000 | 200,000 | 560,000 |
| Pretax income | 776,000 | 1,836,000 | 2,620,000 | 3,285,000 |
| Income tax | 276,000 | 660,000 | 937,000 | 1,176,000 |
| Net income | 500,000 | 1,176,000 | 1,683,000 | 2,109,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,746,000 | 22,413,000 | 22,894,000 | 23,247,000 |
| Total capital | 23,250,000 | 23,987,000 | 24,407,000 | 24,592,000 |
| Risk-weighted assets | 149,618,000 | 150,748,000 | 152,544,000 | 151,409,000 |