Call reports 2021
CITIZENS COMMUNITY BANK — 2021
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 450,074,000 | 444,976,000 | 458,759,000 | 473,303,000 |
| Total loans | 262,893,000 | 256,029,000 | 252,791,000 | 240,144,000 |
| Allowance for loan losses | 4,235,000 | 4,370,000 | 4,520,000 | 4,107,000 |
| Securities available for sale | 154,959,000 | 150,277,000 | 146,836,000 | 140,842,000 |
| Securities held to maturity | 11,228,000 | 26,680,000 | 43,600,000 | 77,950,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 381,624,000 | 376,834,000 | 390,927,000 | 395,256,000 |
| Interest-bearing deposits | 325,903,000 | 321,455,000 | 332,717,000 | 336,624,000 |
| Noninterest-bearing deposits | 55,721,000 | 55,379,000 | 58,210,000 | 58,632,000 |
| Equity capital | 48,633,000 | 49,533,000 | 49,201,000 | 48,635,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,839,000 | 7,337,000 | 10,758,000 | 14,178,000 |
| Interest expense | 905,000 | 1,756,000 | 2,550,000 | 3,294,000 |
| Net interest income | 2,934,000 | 5,581,000 | 8,208,000 | 10,884,000 |
| Noninterest income | 337,000 | 649,000 | 789,000 | 1,074,000 |
| Noninterest expense | 1,537,000 | 3,139,000 | 4,638,000 | 6,283,000 |
| Provision for loan losses | 150,000 | 250,000 | 400,000 | 550,000 |
| Pretax income | 1,584,000 | 2,841,000 | 3,961,000 | 5,127,000 |
| Income tax | 380,000 | 663,000 | 906,000 | 1,152,000 |
| Net income | 1,204,000 | 2,178,000 | 3,055,000 | 3,975,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,651,000 | 49,624,000 | 49,234,000 | 48,978,000 |