Call reports 2011
CITIZENS COMMUNITY BANK — 2011
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 268,796,000 | 273,692,000 | 279,327,000 | 284,996,000 |
| Total loans | 162,837,000 | 163,514,000 | 160,916,000 | 169,904,000 |
| Allowance for loan losses | 2,975,000 | 2,662,000 | 2,717,000 | 2,867,000 |
| Securities available for sale | 73,893,000 | 84,067,000 | 88,342,000 | 86,050,000 |
| Securities held to maturity | 9,526,000 | 4,828,000 | 7,769,000 | 7,469,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 233,183,000 | 237,451,000 | 243,456,000 | 246,803,000 |
| Interest-bearing deposits | 213,557,000 | 217,377,000 | 222,065,000 | 224,087,000 |
| Noninterest-bearing deposits | 19,626,000 | 20,074,000 | 21,391,000 | 22,716,000 |
| Equity capital | 23,254,000 | 24,489,000 | 25,133,000 | 25,636,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,875,000 | 5,911,000 | 8,949,000 | 12,010,000 |
| Interest expense | 1,038,000 | 2,065,000 | 3,078,000 | 4,023,000 |
| Net interest income | 1,837,000 | 3,846,000 | 5,871,000 | 7,987,000 |
| Noninterest income | 210,000 | 361,000 | 384,000 | 305,000 |
| Noninterest expense | 1,030,000 | 2,205,000 | 3,179,000 | 4,171,000 |
| Provision for loan losses | 25,000 | 245,000 | 345,000 | 495,000 |
| Pretax income | 992,000 | 1,757,000 | 2,731,000 | 3,626,000 |
| Income tax | 373,000 | 648,000 | 1,004,000 | 1,287,000 |
| Net income | 619,000 | 1,109,000 | 1,727,000 | 2,339,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,787,000 | 24,235,000 | 24,854,000 | 25,466,000 |
| Total capital | 25,785,000 | 26,284,000 | 26,920,000 | 27,594,000 |
| Risk-weighted assets | 158,841,000 | 163,322,000 | 164,590,000 | 169,533,000 |