Call reports 2013
CITIZENS COMMUNITY BANK — 2013
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 160,977,000 | 161,224,000 | 160,896,000 | 159,712,000 |
| Total loans | 130,119,000 | 123,710,000 | 125,340,000 | 126,554,000 |
| Allowance for loan losses | 2,446,000 | 2,362,000 | 2,299,000 | 2,006,000 |
| Securities available for sale | 13,521,000 | 14,898,000 | 20,250,000 | 19,650,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,311,000 | 138,457,000 | 136,934,000 | 132,883,000 |
| Interest-bearing deposits | 119,550,000 | 116,888,000 | 115,214,000 | 113,746,000 |
| Noninterest-bearing deposits | 18,761,000 | 21,569,000 | 21,720,000 | 19,137,000 |
| Equity capital | 20,427,000 | 20,504,000 | 20,667,000 | 20,846,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,808,000 | 3,569,000 | 5,265,000 | 6,963,000 |
| Interest expense | 386,000 | 767,000 | 1,128,000 | 1,472,000 |
| Net interest income | 1,422,000 | 2,802,000 | 4,137,000 | 5,491,000 |
| Noninterest income | -789,000 | -444,000 | -222,000 | -21,000 |
| Noninterest expense | 1,373,000 | 2,748,000 | 4,084,000 | 5,401,000 |
| Provision for loan losses | 907,000 | 917,000 | 917,000 | 808,000 |
| Pretax income | -1,647,000 | -1,307,000 | -1,086,000 | -739,000 |
| Income tax | -576,000 | -473,000 | -417,000 | -310,000 |
| Net income | -1,071,000 | -834,000 | -669,000 | -429,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,834,000 | 19,086,000 | 19,302,000 | 19,620,000 |
| Total capital | 20,468,000 | 20,640,000 | 20,871,000 | 21,177,000 |
| Risk-weighted assets | 129,870,000 | 123,510,000 | 124,815,000 | 124,074,000 |