Call reports 2024
CITIZENS COMMUNITY BANK — 2024
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 500,281,000 | 502,686,000 | 502,635,000 | 507,887,000 |
| Total loans | 283,567,000 | 287,725,000 | 275,160,000 | 274,622,000 |
| Allowance for loan losses | 4,713,000 | 4,863,000 | 5,012,000 | 4,908,000 |
| Securities available for sale | 97,552,000 | 98,206,000 | 103,193,000 | 97,147,000 |
| Securities held to maturity | 99,313,000 | 99,305,000 | 99,298,000 | 99,291,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 367,487,000 | 376,325,000 | 387,327,000 | 389,264,000 |
| Interest-bearing deposits | 314,201,000 | 320,334,000 | 337,240,000 | 336,396,000 |
| Noninterest-bearing deposits | 53,286,000 | 55,991,000 | 50,087,000 | 52,868,000 |
| Equity capital | 42,780,000 | 43,395,000 | 46,649,000 | 44,141,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 5,484,000 | 11,157,000 | 17,230,000 | 23,127,000 |
| Interest expense | 3,036,000 | 6,089,000 | 9,190,000 | 12,098,000 |
| Net interest income | 2,448,000 | 5,068,000 | 8,040,000 | 11,029,000 |
| Noninterest income | 252,000 | 623,000 | 968,000 | 1,392,000 |
| Noninterest expense | 1,901,000 | 3,949,000 | 5,919,000 | 8,070,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 390,000 |
| Pretax income | 649,000 | 1,442,000 | 2,561,000 | 3,616,000 |
| Income tax | 92,000 | 221,000 | 436,000 | 632,000 |
| Net income | 557,000 | 1,221,000 | 2,125,000 | 2,984,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,637,000 | 52,939,000 | 53,117,000 | 53,614,000 |