Call reports 2022
CITIZENS COMMUNITY BANK — 2022
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 459,753,000 | 459,181,000 | 469,193,000 | 483,180,000 |
| Total loans | 228,924,000 | 232,858,000 | 245,188,000 | 254,258,000 |
| Allowance for loan losses | 4,305,000 | 4,405,000 | 4,505,000 | 4,283,000 |
| Securities available for sale | 131,364,000 | 125,251,000 | 108,402,000 | 110,839,000 |
| Securities held to maturity | 82,688,000 | 84,679,000 | 99,669,000 | 99,544,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 387,773,000 | 391,565,000 | 400,047,000 | 391,435,000 |
| Interest-bearing deposits | 327,229,000 | 327,352,000 | 338,197,000 | 328,867,000 |
| Noninterest-bearing deposits | 60,544,000 | 64,213,000 | 61,850,000 | 62,568,000 |
| Equity capital | 44,273,000 | 42,274,000 | 38,949,000 | 40,951,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,420,000 | 7,130,000 | 11,357,000 | 15,679,000 |
| Interest expense | 665,000 | 1,323,000 | 2,121,000 | 3,234,000 |
| Net interest income | 2,755,000 | 5,807,000 | 9,236,000 | 12,445,000 |
| Noninterest income | 242,000 | 486,000 | 763,000 | 995,000 |
| Noninterest expense | 1,547,000 | 3,207,000 | 4,901,000 | 6,355,000 |
| Provision for loan losses | 150,000 | 250,000 | 350,000 | 700,000 |
| Pretax income | 1,300,000 | 2,836,000 | 4,789,000 | 6,426,000 |
| Income tax | 278,000 | 597,000 | 1,040,000 | 1,397,000 |
| Net income | 1,022,000 | 2,239,000 | 3,749,000 | 5,029,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,994,000 | 51,212,000 | 51,633,000 | 51,554,000 |