Call reports 2010
CITIZENS COMMUNITY BANK — 2010
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 171,897,000 | 172,759,000 | 170,551,000 | 164,514,000 |
| Total loans | 131,354,000 | 130,598,000 | 131,252,000 | 129,461,000 |
| Allowance for loan losses | 2,220,000 | 2,337,000 | 2,434,000 | 2,698,000 |
| Securities available for sale | 22,798,000 | 22,143,000 | 19,756,000 | 17,556,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,150,000 | 142,726,000 | 141,601,000 | 135,640,000 |
| Interest-bearing deposits | 127,110,000 | 127,912,000 | 125,813,000 | 120,958,000 |
| Noninterest-bearing deposits | 15,040,000 | 14,814,000 | 15,788,000 | 14,682,000 |
| Equity capital | 21,509,000 | 21,685,000 | 21,745,000 | 21,602,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,389,000 | 4,745,000 | 7,058,000 | 9,339,000 |
| Interest expense | 700,000 | 1,329,000 | 1,956,000 | 2,545,000 |
| Net interest income | 1,689,000 | 3,416,000 | 5,102,000 | 6,794,000 |
| Noninterest income | 213,000 | 449,000 | 692,000 | 938,000 |
| Noninterest expense | 1,388,000 | 2,888,000 | 4,314,000 | 5,704,000 |
| Provision for loan losses | 324,000 | 605,000 | 997,000 | 1,421,000 |
| Pretax income | 190,000 | 372,000 | 483,000 | 607,000 |
| Income tax | 57,000 | 103,000 | 128,000 | 153,000 |
| Net income | 133,000 | 269,000 | 355,000 | 454,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,516,000 | 20,565,000 | 20,623,000 | 20,483,000 |
| Total capital | 22,262,000 | 22,340,000 | 22,392,000 | 22,222,000 |
| Risk-weighted assets | 139,186,000 | 141,436,000 | 140,852,000 | 138,161,000 |