Call reports 2018
CITIZENS COMMUNITY BANK — 2018
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 379,626,000 | 379,026,000 | 390,129,000 | 398,048,000 |
| Total loans | 229,619,000 | 230,725,000 | 236,490,000 | 231,610,000 |
| Allowance for loan losses | 3,852,000 | 3,976,000 | 3,811,000 | 3,520,000 |
| Securities available for sale | 125,026,000 | 120,131,000 | 124,805,000 | 123,314,000 |
| Securities held to maturity | 4,296,000 | 13,023,000 | 12,997,000 | 19,966,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 329,367,000 | 322,858,000 | 337,201,000 | 342,694,000 |
| Interest-bearing deposits | 293,099,000 | 290,104,000 | 300,165,000 | 306,226,000 |
| Noninterest-bearing deposits | 36,268,000 | 32,754,000 | 37,036,000 | 36,468,000 |
| Equity capital | 38,635,000 | 39,682,000 | 39,921,000 | 42,276,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,588,000 | 7,221,000 | 10,952,000 | 14,859,000 |
| Interest expense | 926,000 | 1,884,000 | 2,911,000 | 4,076,000 |
| Net interest income | 2,662,000 | 5,337,000 | 8,041,000 | 10,783,000 |
| Noninterest income | 222,000 | 491,000 | 749,000 | 937,000 |
| Noninterest expense | 1,447,000 | 2,814,000 | 4,321,000 | 5,684,000 |
| Provision for loan losses | 250,000 | 400,000 | 450,000 | 500,000 |
| Pretax income | 1,187,000 | 2,614,000 | 4,019,000 | 5,536,000 |
| Income tax | 251,000 | 565,000 | 871,000 | 1,205,000 |
| Net income | 936,000 | 2,049,000 | 3,148,000 | 4,331,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,351,000 | 42,464,000 | 43,202,000 | 44,386,000 |
| Total capital | 44,480,000 | 45,626,000 | 46,491,000 | 47,653,000 |
| Risk-weighted assets | 249,570,000 | 252,163,000 | 262,596,000 | 261,096,000 |