Call reports 2016
CITIZENS COMMUNITY BANK — 2016
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 330,027,000 | 344,802,000 | 349,565,000 | 372,793,000 |
| Total loans | 208,367,000 | 217,086,000 | 212,621,000 | 235,581,000 |
| Allowance for loan losses | 4,045,000 | 4,089,000 | 4,615,000 | 3,613,000 |
| Securities available for sale | 97,727,000 | 104,312,000 | 115,068,000 | 116,206,000 |
| Securities held to maturity | 9,296,000 | 9,252,000 | 9,191,000 | 4,134,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 284,272,000 | 289,452,000 | 295,892,000 | 299,421,000 |
| Interest-bearing deposits | 253,772,000 | 258,001,000 | 262,146,000 | 265,696,000 |
| Noninterest-bearing deposits | 30,500,000 | 31,451,000 | 33,746,000 | 33,725,000 |
| Equity capital | 35,963,000 | 37,600,000 | 37,916,000 | 36,740,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,266,000 | 6,578,000 | 9,928,000 | 13,267,000 |
| Interest expense | 733,000 | 1,483,000 | 2,270,000 | 3,062,000 |
| Net interest income | 2,533,000 | 5,095,000 | 7,658,000 | 10,205,000 |
| Noninterest income | 223,000 | 545,000 | 1,049,000 | 1,258,000 |
| Noninterest expense | 1,359,000 | 2,602,000 | 3,974,000 | 5,397,000 |
| Provision for loan losses | 80,000 | 200,000 | 830,000 | 870,000 |
| Pretax income | 1,317,000 | 2,838,000 | 3,903,000 | 5,196,000 |
| Income tax | 425,000 | 919,000 | 1,162,000 | 1,567,000 |
| Net income | 892,000 | 2,117,000 | 2,741,000 | 3,629,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,831,000 | 37,057,000 | 37,431,000 | 38,320,000 |
| Total capital | 38,582,000 | 39,914,000 | 40,299,000 | 41,465,000 |
| Risk-weighted assets | 218,748,000 | 227,355,000 | 227,719,000 | 251,121,000 |