Call reports 2015
CITIZENS COMMUNITY BANK — 2015
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 172,651,000 | 170,236,000 | 174,295,000 | 180,184,000 |
| Total loans | 133,395,000 | 138,671,000 | 144,583,000 | 151,028,000 |
| Allowance for loan losses | 1,949,000 | 2,029,000 | 2,170,000 | 1,903,000 |
| Securities available for sale | 15,403,000 | 14,078,000 | 13,625,000 | 13,291,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,381,000 | 147,791,000 | 151,591,000 | 153,618,000 |
| Interest-bearing deposits | 122,484,000 | 120,789,000 | 121,321,000 | 121,941,000 |
| Noninterest-bearing deposits | 24,897,000 | 27,002,000 | 30,270,000 | 31,677,000 |
| Equity capital | 21,976,000 | 19,074,000 | 19,310,000 | 19,254,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,727,000 | 3,449,000 | 5,230,000 | 7,068,000 |
| Interest expense | 285,000 | 528,000 | 748,000 | 959,000 |
| Net interest income | 1,442,000 | 2,921,000 | 4,482,000 | 6,109,000 |
| Noninterest income | 213,000 | 413,000 | 600,000 | 852,000 |
| Noninterest expense | 1,349,000 | 2,662,000 | 4,042,000 | 5,427,000 |
| Provision for loan losses | 0 | 100,000 | 210,000 | 410,000 |
| Pretax income | 306,000 | 565,000 | 823,000 | 1,117,000 |
| Income tax | 90,000 | 165,000 | 241,000 | 326,000 |
| Net income | 216,000 | 400,000 | 582,000 | 791,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,586,000 | 18,530,000 | 18,819,000 | 18,823,000 |
| Total capital | 23,169,000 | 20,167,000 | 20,522,000 | 20,612,000 |
| Risk-weighted assets | 126,306,000 | 130,289,000 | 135,604,000 | 142,821,000 |