Call reports 2017
CITIZENS COMMUNITY BANK — 2017
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 365,791,000 | 370,688,000 | 383,248,000 | 379,753,000 |
| Total loans | 234,020,000 | 234,900,000 | 233,952,000 | 227,366,000 |
| Allowance for loan losses | 3,452,000 | 3,340,000 | 3,233,000 | 3,450,000 |
| Securities available for sale | 113,574,000 | 116,270,000 | 120,115,000 | 132,193,000 |
| Securities held to maturity | 4,076,000 | 4,055,000 | 4,031,000 | 4,002,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 314,136,000 | 313,190,000 | 331,125,000 | 327,346,000 |
| Interest-bearing deposits | 280,273,000 | 278,457,000 | 296,414,000 | 291,587,000 |
| Noninterest-bearing deposits | 33,863,000 | 34,733,000 | 34,711,000 | 35,759,000 |
| Equity capital | 37,839,000 | 39,557,000 | 39,966,000 | 39,194,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,530,000 | 7,021,000 | 10,597,000 | 14,172,000 |
| Interest expense | 835,000 | 1,688,000 | 2,588,000 | 3,487,000 |
| Net interest income | 2,695,000 | 5,333,000 | 8,009,000 | 10,685,000 |
| Noninterest income | 96,000 | 363,000 | 643,000 | 912,000 |
| Noninterest expense | 1,421,000 | 2,795,000 | 4,227,000 | 5,576,000 |
| Provision for loan losses | 120,000 | 200,000 | 440,000 | 740,000 |
| Pretax income | 1,250,000 | 2,701,000 | 3,985,000 | 5,281,000 |
| Income tax | 386,000 | 849,000 | 1,258,000 | 2,434,000 |
| Net income | 864,000 | 1,852,000 | 2,727,000 | 2,847,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,859,000 | 39,847,000 | 40,401,000 | 40,783,000 |
| Total capital | 41,975,000 | 42,973,000 | 43,554,000 | 43,880,000 |
| Risk-weighted assets | 248,938,000 | 249,875,000 | 252,196,000 | 247,392,000 |