Call reports 2012
CITIZENS COMMUNITY BANK — 2012
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 290,837,000 | 292,403,000 | 302,469,000 | 312,172,000 |
| Total loans | 168,777,000 | 169,130,000 | 175,415,000 | 174,633,000 |
| Allowance for loan losses | 2,920,000 | 2,892,000 | 2,671,000 | 3,261,000 |
| Securities available for sale | 98,750,000 | 103,619,000 | 108,971,000 | 105,516,000 |
| Securities held to maturity | 4,441,000 | 4,300,000 | 4,087,000 | 11,980,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,656,000 | 252,222,000 | 263,529,000 | 272,684,000 |
| Interest-bearing deposits | 231,998,000 | 228,870,000 | 239,120,000 | 245,617,000 |
| Noninterest-bearing deposits | 22,658,000 | 23,352,000 | 24,409,000 | 27,067,000 |
| Equity capital | 26,057,000 | 27,254,000 | 28,457,000 | 27,554,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,046,000 | 6,017,000 | 9,131,000 | 12,247,000 |
| Interest expense | 907,000 | 1,763,000 | 2,606,000 | 3,439,000 |
| Net interest income | 2,139,000 | 4,254,000 | 6,525,000 | 8,808,000 |
| Noninterest income | 300,000 | 539,000 | 882,000 | 1,079,000 |
| Noninterest expense | 979,000 | 2,091,000 | 3,134,000 | 4,579,000 |
| Provision for loan losses | 150,000 | 220,000 | 325,000 | 946,000 |
| Pretax income | 1,310,000 | 2,482,000 | 3,951,000 | 4,367,000 |
| Income tax | 489,000 | 918,000 | 1,463,000 | 1,566,000 |
| Net income | 821,000 | 1,564,000 | 2,488,000 | 2,801,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,009,000 | 26,752,000 | 27,676,000 | 27,143,000 |
| Total capital | 28,139,000 | 28,883,000 | 29,880,000 | 29,374,000 |
| Risk-weighted assets | 169,633,000 | 169,679,000 | 175,876,000 | 177,444,000 |