Call reports 2012
CITIZENS COMMUNITY BANK — 2012
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 158,301,000 | 159,041,000 | 163,799,000 | 162,546,000 |
| Total loans | 125,243,000 | 128,737,000 | 131,123,000 | 132,364,000 |
| Allowance for loan losses | 2,759,000 | 2,848,000 | 2,495,000 | 2,176,000 |
| Securities available for sale | 14,134,000 | 14,887,000 | 14,254,000 | 13,867,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,309,000 | 134,093,000 | 138,987,000 | 138,638,000 |
| Interest-bearing deposits | 116,423,000 | 117,738,000 | 120,511,000 | 120,420,000 |
| Noninterest-bearing deposits | 16,886,000 | 16,355,000 | 18,476,000 | 18,218,000 |
| Equity capital | 22,675,000 | 22,722,000 | 22,562,000 | 21,534,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,963,000 | 3,907,000 | 5,874,000 | 7,854,000 |
| Interest expense | 461,000 | 899,000 | 1,325,000 | 1,739,000 |
| Net interest income | 1,502,000 | 3,008,000 | 4,549,000 | 6,115,000 |
| Noninterest income | 200,000 | 377,000 | 574,000 | 463,000 |
| Noninterest expense | 1,387,000 | 2,888,000 | 4,381,000 | 6,257,000 |
| Provision for loan losses | 140,000 | 165,000 | 599,000 | 1,642,000 |
| Pretax income | 175,000 | 332,000 | 143,000 | -1,321,000 |
| Income tax | 40,000 | 77,000 | 1,000 | -518,000 |
| Net income | 135,000 | 255,000 | 142,000 | -803,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,222,000 | 22,317,000 | 22,075,000 | 20,506,000 |
| Total capital | 23,853,000 | 23,977,000 | 23,754,000 | 22,175,000 |
| Risk-weighted assets | 129,361,000 | 131,574,000 | 133,481,000 | 132,990,000 |