Call reports 2010
CITIZENS COMMUNITY BANK — 2010
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 242,968,000 | 239,661,000 | 250,063,000 | 261,251,000 |
| Total loans | 150,665,000 | 155,327,000 | 157,839,000 | 164,042,000 |
| Allowance for loan losses | 2,849,000 | 2,833,000 | 2,989,000 | 3,046,000 |
| Securities available for sale | 65,763,000 | 59,330,000 | 69,440,000 | 75,716,000 |
| Securities held to maturity | 1,050,000 | 1,049,000 | 635,000 | 265,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,350,000 | 208,877,000 | 216,616,000 | 228,087,000 |
| Interest-bearing deposits | 194,954,000 | 191,105,000 | 199,378,000 | 208,325,000 |
| Noninterest-bearing deposits | 17,396,000 | 17,772,000 | 17,238,000 | 19,762,000 |
| Equity capital | 21,998,000 | 22,770,000 | 23,067,000 | 22,755,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,704,000 | 5,550,000 | 8,398,000 | 11,243,000 |
| Interest expense | 1,173,000 | 2,301,000 | 3,423,000 | 4,522,000 |
| Net interest income | 1,531,000 | 3,249,000 | 4,975,000 | 6,721,000 |
| Noninterest income | 284,000 | 388,000 | 331,000 | 592,000 |
| Noninterest expense | 1,000,000 | 2,103,000 | 3,220,000 | 4,315,000 |
| Provision for loan losses | 0 | 0 | 152,000 | 152,000 |
| Pretax income | 815,000 | 1,534,000 | 1,936,000 | 2,848,000 |
| Income tax | 291,000 | 546,000 | 676,000 | 997,000 |
| Net income | 524,000 | 988,000 | 1,260,000 | 1,851,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,055,000 | 22,509,000 | 22,774,000 | 23,337,000 |
| Total capital | 23,996,000 | 24,455,000 | 24,731,000 | 25,340,000 |
| Risk-weighted assets | 154,384,000 | 154,824,000 | 155,512,000 | 159,229,000 |