Call reports 2007
CITIZENS COMMUNITY BANK — 2007
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 133,433,000 | 143,368,000 | 153,173,000 | 148,769,000 |
| Total loans | 103,843,000 | 107,521,000 | 116,805,000 | 116,215,000 |
| Allowance for loan losses | 1,180,000 | 1,215,000 | 1,321,000 | 1,318,000 |
| Securities available for sale | 18,596,000 | 20,998,000 | 16,027,000 | 16,375,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,123,000 | 125,999,000 | 134,005,000 | 129,275,000 |
| Interest-bearing deposits | 103,113,000 | 111,368,000 | 117,366,000 | 114,837,000 |
| Noninterest-bearing deposits | 13,010,000 | 14,631,000 | 16,639,000 | 14,438,000 |
| Equity capital | 17,186,000 | 17,265,000 | 17,491,000 | 17,855,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,276,000 | 4,665,000 | 7,253,000 | 9,877,000 |
| Interest expense | 1,082,000 | 2,272,000 | 3,570,000 | 4,936,000 |
| Net interest income | 1,194,000 | 2,393,000 | 3,683,000 | 4,941,000 |
| Noninterest income | 136,000 | 287,000 | 434,000 | 587,000 |
| Noninterest expense | 1,033,000 | 2,161,000 | 3,320,000 | 4,542,000 |
| Provision for loan losses | 125,000 | 181,000 | 297,000 | 341,000 |
| Pretax income | 172,000 | 338,000 | 500,000 | 645,000 |
| Income tax | 58,000 | 113,000 | 166,000 | 156,000 |
| Net income | 114,000 | 225,000 | 334,000 | 489,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,303,000 | 17,414,000 | 17,523,000 | 17,782,000 |
| Total capital | 18,483,000 | 18,629,000 | 18,844,000 | 19,100,000 |
| Risk-weighted assets | 100,817,000 | 107,440,000 | 120,068,000 | 119,647,000 |