Call reports 2011
CITIZENS COMMUNITY BANK — 2011
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 162,069,000 | 160,694,000 | 165,753,000 | 161,463,000 |
| Total loans | 125,476,000 | 128,187,000 | 127,906,000 | 128,122,000 |
| Allowance for loan losses | 2,557,000 | 2,633,000 | 2,664,000 | 2,665,000 |
| Securities available for sale | 16,291,000 | 14,090,000 | 13,704,000 | 14,644,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,161,000 | 134,816,000 | 138,690,000 | 134,655,000 |
| Interest-bearing deposits | 120,979,000 | 120,169,000 | 121,157,000 | 118,525,000 |
| Noninterest-bearing deposits | 15,182,000 | 14,647,000 | 17,533,000 | 16,130,000 |
| Equity capital | 21,668,000 | 21,667,000 | 22,641,000 | 22,595,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,200,000 | 4,313,000 | 6,460,000 | 8,528,000 |
| Interest expense | 533,000 | 1,052,000 | 1,572,000 | 2,076,000 |
| Net interest income | 1,667,000 | 3,261,000 | 4,888,000 | 6,452,000 |
| Noninterest income | 184,000 | 266,000 | 400,000 | 616,000 |
| Noninterest expense | 1,449,000 | 2,973,000 | 4,384,000 | 5,732,000 |
| Provision for loan losses | 245,000 | 407,000 | 467,000 | 793,000 |
| Pretax income | 157,000 | 313,000 | 604,000 | 712,000 |
| Income tax | 44,000 | 85,000 | 172,000 | 200,000 |
| Net income | 113,000 | 228,000 | 432,000 | 512,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,551,000 | 21,178,000 | 22,236,000 | 22,207,000 |
| Total capital | 22,234,000 | 22,860,000 | 23,910,000 | 23,872,000 |
| Risk-weighted assets | 133,804,000 | 133,575,000 | 132,968,000 | 132,236,000 |