Call reports 2019
CITIZENS COMMUNITY BANK — 2019
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 395,287,000 | 390,452,000 | 399,361,000 | 403,279,000 |
| Total loans | 231,816,000 | 233,511,000 | 255,396,000 | 257,360,000 |
| Allowance for loan losses | 3,570,000 | 3,465,000 | 3,482,000 | 3,553,000 |
| Securities available for sale | 125,426,000 | 122,711,000 | 102,064,000 | 98,956,000 |
| Securities held to maturity | 21,596,000 | 18,938,000 | 25,011,000 | 33,333,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 330,953,000 | 328,421,000 | 338,177,000 | 339,661,000 |
| Interest-bearing deposits | 294,787,000 | 292,580,000 | 299,452,000 | 298,621,000 |
| Noninterest-bearing deposits | 36,166,000 | 35,841,000 | 38,725,000 | 41,040,000 |
| Equity capital | 44,240,000 | 46,169,000 | 46,866,000 | 47,867,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,927,000 | 7,860,000 | 11,913,000 | 16,005,000 |
| Interest expense | 1,210,000 | 2,473,000 | 3,773,000 | 5,049,000 |
| Net interest income | 2,717,000 | 5,387,000 | 8,140,000 | 10,956,000 |
| Noninterest income | 245,000 | 532,000 | 781,000 | 945,000 |
| Noninterest expense | 1,473,000 | 2,967,000 | 4,528,000 | 5,949,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 1,339,000 | 2,652,000 | 3,943,000 | 5,352,000 |
| Income tax | 281,000 | 556,000 | 820,000 | 1,134,000 |
| Net income | 1,058,000 | 2,096,000 | 3,123,000 | 4,218,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,950,000 | 45,988,000 | 46,513,000 | 47,609,000 |
| Total capital | 48,212,000 | 49,263,000 | 49,995,000 | 51,162,000 |
| Risk-weighted assets | 260,623,000 | 261,778,000 | 280,629,000 | 286,944,000 |