Call reports 2006
CITIZENS COMMUNITY BANK — 2006
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 124,350,000 | 130,132,000 | 134,343,000 | 133,854,000 |
| Total loans | 92,488,000 | 92,333,000 | 94,399,000 | 96,800,000 |
| Allowance for loan losses | 1,061,000 | 1,064,000 | 1,064,000 | 1,095,000 |
| Securities available for sale | 20,667,000 | 21,490,000 | 21,104,000 | 20,597,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,980,000 | 113,605,000 | 117,356,000 | 116,637,000 |
| Interest-bearing deposits | 96,043,000 | 102,080,000 | 103,574,000 | 101,914,000 |
| Noninterest-bearing deposits | 11,936,000 | 11,524,000 | 13,782,000 | 14,723,000 |
| Equity capital | 16,160,000 | 16,376,000 | 16,782,000 | 17,025,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,825,000 | 3,838,000 | 6,028,000 | 8,399,000 |
| Interest expense | 817,000 | 1,745,000 | 2,813,000 | 3,935,000 |
| Net interest income | 1,008,000 | 2,093,000 | 3,215,000 | 4,464,000 |
| Noninterest income | 109,000 | 206,000 | 311,000 | 400,000 |
| Noninterest expense | 777,000 | 1,645,000 | 2,578,000 | 3,616,000 |
| Provision for loan losses | 69,000 | 72,000 | 75,000 | 105,000 |
| Pretax income | 271,000 | 582,000 | 873,000 | 1,143,000 |
| Income tax | 85,000 | 201,000 | 275,000 | 343,000 |
| Net income | 186,000 | 381,000 | 598,000 | 800,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,464,000 | 16,729,000 | 16,996,000 | 17,189,000 |
| Total capital | 17,525,000 | 17,793,000 | 18,060,000 | 18,284,000 |
| Risk-weighted assets | 92,988,000 | 93,696,000 | 96,646,000 | 99,492,000 |