Call reports 2009
CITIZENS COMMUNITY BANK — 2009
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 240,609,000 | 232,624,000 | 231,684,000 | 240,319,000 |
| Total loans | 155,935,000 | 154,494,000 | 154,819,000 | 156,192,000 |
| Allowance for loan losses | 1,773,000 | 1,933,000 | 2,218,000 | 2,942,000 |
| Securities available for sale | 62,046,000 | 57,599,000 | 53,126,000 | 59,349,000 |
| Securities held to maturity | 1,532,000 | 1,532,000 | 1,531,000 | 1,160,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 208,976,000 | 201,656,000 | 200,515,000 | 210,595,000 |
| Interest-bearing deposits | 193,447,000 | 185,631,000 | 184,758,000 | 192,150,000 |
| Noninterest-bearing deposits | 15,529,000 | 16,025,000 | 15,757,000 | 18,445,000 |
| Equity capital | 23,396,000 | 22,863,000 | 23,499,000 | 21,388,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,220,000 | 6,173,000 | 9,107,000 | 11,785,000 |
| Interest expense | 1,491,000 | 2,874,000 | 4,177,000 | 5,426,000 |
| Net interest income | 1,729,000 | 3,299,000 | 4,930,000 | 6,359,000 |
| Noninterest income | 279,000 | 517,000 | 757,000 | 727,000 |
| Noninterest expense | 886,000 | 1,970,000 | 3,032,000 | 4,068,000 |
| Provision for loan losses | 316,000 | 1,491,000 | 1,930,000 | 5,331,000 |
| Pretax income | 806,000 | 355,000 | 725,000 | -2,313,000 |
| Income tax | 299,000 | 103,000 | 230,000 | -940,000 |
| Net income | 507,000 | 252,000 | 495,000 | -1,373,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,506,000 | 23,252,000 | 23,495,000 | 21,616,000 |
| Total capital | 25,279,000 | 25,185,000 | 25,413,000 | 23,570,000 |
| Risk-weighted assets | 154,332,000 | 154,684,000 | 153,118,000 | 155,329,000 |