Call reports 2013
CITIZENS COMMUNITY BANK — 2013
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 303,426,000 | 298,220,000 | 303,669,000 | 308,832,000 |
| Total loans | 183,201,000 | 181,426,000 | 190,219,000 | 198,017,000 |
| Allowance for loan losses | 3,326,000 | 3,300,000 | 3,325,000 | 3,414,000 |
| Securities available for sale | 95,219,000 | 91,763,000 | 89,597,000 | 85,714,000 |
| Securities held to maturity | 11,824,000 | 10,699,000 | 10,117,000 | 10,073,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 268,158,000 | 262,594,000 | 259,967,000 | 260,752,000 |
| Interest-bearing deposits | 242,765,000 | 236,478,000 | 235,611,000 | 234,378,000 |
| Noninterest-bearing deposits | 25,393,000 | 26,116,000 | 24,356,000 | 26,374,000 |
| Equity capital | 28,144,000 | 26,699,000 | 27,965,000 | 28,187,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,949,000 | 5,858,000 | 8,905,000 | 12,078,000 |
| Interest expense | 768,000 | 1,506,000 | 2,223,000 | 2,935,000 |
| Net interest income | 2,181,000 | 4,352,000 | 6,682,000 | 9,143,000 |
| Noninterest income | 249,000 | 481,000 | 444,000 | 524,000 |
| Noninterest expense | 1,082,000 | 2,227,000 | 3,359,000 | 4,697,000 |
| Provision for loan losses | 80,000 | 120,000 | 160,000 | 285,000 |
| Pretax income | 1,277,000 | 2,495,000 | 3,616,000 | 4,694,000 |
| Income tax | 457,000 | 931,000 | 1,286,000 | 1,671,000 |
| Net income | 820,000 | 1,564,000 | 2,330,000 | 3,023,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,887,000 | 28,627,000 | 29,166,000 | 29,859,000 |
| Total capital | 30,214,000 | 30,980,000 | 31,595,000 | 32,355,000 |
| Risk-weighted assets | 185,132,000 | 187,262,000 | 193,395,000 | 198,736,000 |