Call reports 2020
CITIZENS COMMUNITY BANK — 2020
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 404,875,000 | 432,085,000 | 439,001,000 | 450,759,000 |
| Total loans | 250,760,000 | 264,784,000 | 261,796,000 | 267,773,000 |
| Allowance for loan losses | 3,705,000 | 3,853,000 | 3,971,000 | 4,104,000 |
| Securities available for sale | 66,006,000 | 107,814,000 | 142,049,000 | 160,116,000 |
| Securities held to maturity | 73,464,000 | 41,510,000 | 14,976,000 | 10,238,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 346,180,000 | 365,063,000 | 371,498,000 | 379,155,000 |
| Interest-bearing deposits | 306,590,000 | 319,473,000 | 322,087,000 | 323,523,000 |
| Noninterest-bearing deposits | 39,590,000 | 45,590,000 | 49,411,000 | 55,632,000 |
| Equity capital | 48,869,000 | 50,337,000 | 50,689,000 | 48,366,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,014,000 | 8,255,000 | 12,027,000 | 15,758,000 |
| Interest expense | 1,237,000 | 2,361,000 | 3,440,000 | 4,470,000 |
| Net interest income | 2,777,000 | 5,894,000 | 8,587,000 | 11,288,000 |
| Noninterest income | 250,000 | 470,000 | 931,000 | 1,348,000 |
| Noninterest expense | 1,593,000 | 3,057,000 | 4,720,000 | 6,469,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 1,284,000 | 3,007,000 | 4,348,000 | 5,567,000 |
| Income tax | 272,000 | 672,000 | 975,000 | 1,249,000 |
| Net income | 1,012,000 | 2,335,000 | 3,373,000 | 4,318,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,192,000 | 49,514,000 | 50,131,000 | 47,455,000 |