Call reports 2008
CITIZENS COMMUNITY BANK — 2008
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 147,700,000 | 146,856,000 | 149,794,000 | 154,393,000 |
| Total loans | 116,086,000 | 119,456,000 | 123,304,000 | 127,093,000 |
| Allowance for loan losses | 1,338,000 | 1,376,000 | 1,459,000 | 1,523,000 |
| Securities available for sale | 14,545,000 | 14,510,000 | 14,373,000 | 14,345,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,841,000 | 127,243,000 | 129,985,000 | 132,897,000 |
| Interest-bearing deposits | 112,309,000 | 111,403,000 | 115,410,000 | 117,566,000 |
| Noninterest-bearing deposits | 15,532,000 | 15,840,000 | 14,575,000 | 15,331,000 |
| Equity capital | 18,148,000 | 17,946,000 | 18,067,000 | 21,181,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,418,000 | 4,651,000 | 6,938,000 | 9,209,000 |
| Interest expense | 1,168,000 | 2,164,000 | 3,133,000 | 4,132,000 |
| Net interest income | 1,250,000 | 2,487,000 | 3,805,000 | 5,077,000 |
| Noninterest income | 161,000 | 322,000 | 500,000 | 677,000 |
| Noninterest expense | 1,164,000 | 2,458,000 | 3,765,000 | 5,165,000 |
| Provision for loan losses | 41,000 | 158,000 | 288,000 | 457,000 |
| Pretax income | 206,000 | 193,000 | 252,000 | 132,000 |
| Income tax | 53,000 | 32,000 | 35,000 | -36,000 |
| Net income | 153,000 | 161,000 | 217,000 | 168,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,905,000 | 17,913,000 | 17,969,000 | 20,925,000 |
| Total capital | 19,243,000 | 19,289,000 | 19,428,000 | 22,448,000 |
| Risk-weighted assets | 118,753,000 | 119,943,000 | 123,042,000 | 126,081,000 |