Call reports 2015
CITIZENS COMMUNITY BANK — 2015
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 312,868,000 | 317,025,000 | 315,697,000 | 328,628,000 |
| Total loans | 202,790,000 | 208,468,000 | 204,272,000 | 212,531,000 |
| Allowance for loan losses | 3,560,000 | 3,807,000 | 3,968,000 | 3,956,000 |
| Securities available for sale | 83,855,000 | 83,089,000 | 82,570,000 | 90,673,000 |
| Securities held to maturity | 9,917,000 | 9,861,000 | 9,823,000 | 9,790,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 270,600,000 | 263,209,000 | 272,150,000 | 285,382,000 |
| Interest-bearing deposits | 241,599,000 | 233,736,000 | 242,325,000 | 251,225,000 |
| Noninterest-bearing deposits | 29,001,000 | 29,473,000 | 29,825,000 | 34,157,000 |
| Equity capital | 33,351,000 | 33,622,000 | 34,965,000 | 35,535,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,107,000 | 6,253,000 | 9,465,000 | 12,710,000 |
| Interest expense | 679,000 | 1,385,000 | 2,104,000 | 2,838,000 |
| Net interest income | 2,428,000 | 4,868,000 | 7,361,000 | 9,872,000 |
| Noninterest income | 251,000 | 516,000 | 796,000 | 1,079,000 |
| Noninterest expense | 1,222,000 | 2,572,000 | 3,743,000 | 5,050,000 |
| Provision for loan losses | 120,000 | 360,000 | 570,000 | 1,252,000 |
| Pretax income | 1,337,000 | 2,452,000 | 3,851,000 | 4,656,000 |
| Income tax | 390,000 | 692,000 | 1,103,000 | 1,281,000 |
| Net income | 947,000 | 1,760,000 | 2,748,000 | 3,375,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,177,000 | 33,990,000 | 34,978,000 | 35,605,000 |
| Total capital | 35,835,000 | 36,685,000 | 37,645,000 | 38,375,000 |
| Risk-weighted assets | 211,713,000 | 214,461,000 | 212,042,000 | 220,416,000 |