Call reports 2017
CITIZENS COMMUNITY BANK — 2017
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 |
|---|---|---|---|
| Total assets | 215,943,000 | 213,164,000 | 218,137,000 |
| Total loans | 177,783,000 | 176,190,000 | 170,576,000 |
| Allowance for loan losses | 2,189,000 | 2,106,000 | 2,026,000 |
| Securities available for sale | 16,872,000 | 16,532,000 | 15,662,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 188,328,000 | 185,454,000 | 190,342,000 |
| Interest-bearing deposits | 151,377,000 | 150,819,000 | 151,829,000 |
| Noninterest-bearing deposits | 36,951,000 | 34,635,000 | 38,513,000 |
| Equity capital | 21,934,000 | 22,233,000 | 22,540,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 |
|---|---|---|---|
| Interest income | 2,153,000 | 4,355,000 | 6,575,000 |
| Interest expense | 295,000 | 601,000 | 915,000 |
| Net interest income | 1,858,000 | 3,754,000 | 5,660,000 |
| Noninterest income | 238,000 | 470,000 | 709,000 |
| Noninterest expense | 1,625,000 | 3,348,000 | 4,982,000 |
| Provision for loan losses | 35,000 | 35,000 | 35,000 |
| Pretax income | 436,000 | 841,000 | 1,352,000 |
| Income tax | 134,000 | 257,000 | 441,000 |
| Net income | 302,000 | 584,000 | 911,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 |
|---|---|---|---|
| Tier 1 capital | 21,751,000 | 22,048,000 | 22,394,000 |
| Total capital | 23,840,000 | 24,118,000 | 24,407,000 |
| Risk-weighted assets | 167,052,000 | 165,072,000 | 159,972,000 |