Call reports 2009
CITIZENS COMMUNITY BANK — 2009
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 170,945,000 | 173,537,000 | 172,875,000 | 171,862,000 |
| Total loans | 130,387,000 | 131,236,000 | 131,753,000 | 132,420,000 |
| Allowance for loan losses | 1,618,000 | 1,679,000 | 1,818,000 | 2,119,000 |
| Securities available for sale | 25,975,000 | 25,753,000 | 26,309,000 | 23,731,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,541,000 | 143,918,000 | 142,939,000 | 142,306,000 |
| Interest-bearing deposits | 128,929,000 | 129,551,000 | 128,082,000 | 128,074,000 |
| Noninterest-bearing deposits | 12,612,000 | 14,367,000 | 14,857,000 | 14,232,000 |
| Equity capital | 21,203,000 | 21,321,000 | 21,686,000 | 21,397,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,342,000 | 4,750,000 | 7,223,000 | 9,681,000 |
| Interest expense | 1,000,000 | 1,994,000 | 2,891,000 | 3,709,000 |
| Net interest income | 1,342,000 | 2,756,000 | 4,332,000 | 5,972,000 |
| Noninterest income | 174,000 | 361,000 | 479,000 | 707,000 |
| Noninterest expense | 1,316,000 | 2,714,000 | 4,055,000 | 5,364,000 |
| Provision for loan losses | 121,000 | 258,000 | 471,000 | 1,426,000 |
| Pretax income | 79,000 | 145,000 | 285,000 | -111,000 |
| Income tax | 1,000 | 3,000 | 34,000 | -117,000 |
| Net income | 78,000 | 142,000 | 251,000 | 6,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,991,000 | 21,023,000 | 21,101,000 | 20,389,000 |
| Total capital | 22,609,000 | 22,702,000 | 22,879,000 | 22,142,000 |
| Risk-weighted assets | 135,990,000 | 141,884,000 | 142,230,000 | 139,849,000 |