Call reports 2023
CITIZENS COMMUNITY BANK — 2023
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 490,531,000 | 494,012,000 | 490,880,000 | 504,020,000 |
| Total loans | 260,800,000 | 270,390,000 | 274,121,000 | 284,056,000 |
| Allowance for loan losses | 4,173,000 | 4,324,000 | 4,465,000 | 4,562,000 |
| Securities available for sale | 110,783,000 | 104,713,000 | 97,133,000 | 100,795,000 |
| Securities held to maturity | 99,535,000 | 99,528,000 | 99,519,000 | 99,320,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 398,141,000 | 388,336,000 | 368,609,000 | 362,414,000 |
| Interest-bearing deposits | 332,671,000 | 324,159,000 | 309,896,000 | 308,075,000 |
| Noninterest-bearing deposits | 65,470,000 | 64,177,000 | 58,713,000 | 54,339,000 |
| Equity capital | 43,650,000 | 44,043,000 | 38,886,000 | 43,218,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 4,570,000 | 9,399,000 | 14,568,000 | 20,013,000 |
| Interest expense | 1,602,000 | 3,582,000 | 6,037,000 | 8,962,000 |
| Net interest income | 2,968,000 | 5,817,000 | 8,531,000 | 11,051,000 |
| Noninterest income | 277,000 | 513,000 | 784,000 | 1,037,000 |
| Noninterest expense | 1,653,000 | 3,450,000 | 5,124,000 | 7,038,000 |
| Provision for loan losses | 150,000 | 300,000 | 2,520,000 | 2,670,000 |
| Pretax income | 1,442,000 | 2,580,000 | 1,671,000 | 2,380,000 |
| Income tax | 305,000 | 457,000 | 119,000 | 226,000 |
| Net income | 1,137,000 | 2,123,000 | 1,552,000 | 2,154,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,877,000 | 53,862,000 | 52,204,000 | 52,080,000 |