Call reports 2014
CITIZENS COMMUNITY BANK — 2014
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 306,820,000 | 304,876,000 | 303,443,000 | 307,691,000 |
| Total loans | 199,132,000 | 199,772,000 | 200,336,000 | 200,666,000 |
| Allowance for loan losses | 3,495,000 | 3,558,000 | 3,516,000 | 3,440,000 |
| Securities available for sale | 84,057,000 | 81,346,000 | 80,221,000 | 83,044,000 |
| Securities held to maturity | 10,037,000 | 10,012,000 | 9,983,000 | 9,953,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 257,166,000 | 259,895,000 | 262,483,000 | 262,885,000 |
| Interest-bearing deposits | 230,461,000 | 230,568,000 | 235,448,000 | 232,372,000 |
| Noninterest-bearing deposits | 26,705,000 | 29,327,000 | 27,035,000 | 30,513,000 |
| Equity capital | 29,349,000 | 30,936,000 | 31,818,000 | 32,763,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,089,000 | 6,155,000 | 9,321,000 | 12,442,000 |
| Interest expense | 680,000 | 1,351,000 | 2,026,000 | 2,714,000 |
| Net interest income | 2,409,000 | 4,804,000 | 7,295,000 | 9,728,000 |
| Noninterest income | 246,000 | 522,000 | 786,000 | 1,064,000 |
| Noninterest expense | 1,219,000 | 2,496,000 | 3,755,000 | 5,059,000 |
| Provision for loan losses | 80,000 | 120,000 | 160,000 | 260,000 |
| Pretax income | 1,356,000 | 2,711,000 | 4,167,000 | 5,461,000 |
| Income tax | 494,000 | 981,000 | 1,511,000 | 1,973,000 |
| Net income | 862,000 | 1,730,000 | 2,656,000 | 3,488,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,306,000 | 31,174,000 | 32,100,000 | 32,932,000 |
| Total capital | 32,781,000 | 33,711,000 | 34,642,000 | 35,476,000 |
| Risk-weighted assets | 196,987,000 | 201,964,000 | 202,416,000 | 202,615,000 |