Call reports 2016
CITIZENS COMMUNITY BANK — 2016
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 186,277,000 | 191,437,000 | 207,025,000 | 211,459,000 |
| Total loans | 154,619,000 | 162,001,000 | 171,076,000 | 174,877,000 |
| Allowance for loan losses | 2,001,000 | 2,088,000 | 2,221,000 | 2,158,000 |
| Securities available for sale | 13,503,000 | 14,050,000 | 15,661,000 | 17,161,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,348,000 | 165,229,000 | 181,528,000 | 184,280,000 |
| Interest-bearing deposits | 126,236,000 | 132,349,000 | 144,644,000 | 148,416,000 |
| Noninterest-bearing deposits | 33,112,000 | 32,880,000 | 36,884,000 | 35,864,000 |
| Equity capital | 19,667,000 | 19,836,000 | 20,069,000 | 21,595,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,900,000 | 3,847,000 | 5,912,000 | 8,047,000 |
| Interest expense | 221,000 | 465,000 | 742,000 | 1,029,000 |
| Net interest income | 1,679,000 | 3,382,000 | 5,170,000 | 7,018,000 |
| Noninterest income | 223,000 | 414,000 | 629,000 | 779,000 |
| Noninterest expense | 1,438,000 | 2,883,000 | 4,401,000 | 5,865,000 |
| Provision for loan losses | 0 | 190,000 | 340,000 | 490,000 |
| Pretax income | 464,000 | 723,000 | 1,058,000 | 1,442,000 |
| Income tax | 143,000 | 226,000 | 313,000 | 422,000 |
| Net income | 321,000 | 497,000 | 745,000 | 1,020,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,369,000 | 19,507,000 | 19,848,000 | 21,435,000 |
| Total capital | 21,218,000 | 21,414,000 | 21,877,000 | 23,511,000 |
| Risk-weighted assets | 147,710,000 | 152,329,000 | 161,744,000 | 165,538,000 |