Call reports 2006
CITIZENS COMMUNITY BANK — 2006
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 104,437,000 | 99,218,000 | 98,941,000 | 103,876,000 |
| Total loans | 68,021,000 | 69,060,000 | 70,001,000 | 69,644,000 |
| Allowance for loan losses | 935,000 | 968,000 | 978,000 | 966,000 |
| Securities available for sale | 13,678,000 | 13,364,000 | 13,362,000 | 12,264,000 |
| Securities held to maturity | 3,000 | 1,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,476,000 | 89,019,000 | 88,171,000 | 93,003,000 |
| Interest-bearing deposits | 78,346,000 | 72,767,000 | 73,163,000 | 78,780,000 |
| Noninterest-bearing deposits | 16,130,000 | 16,252,000 | 15,008,000 | 14,223,000 |
| Equity capital | 9,706,000 | 9,892,000 | 10,391,000 | 10,524,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,681,000 | 3,461,000 | 5,288,000 | 7,192,000 |
| Interest expense | 562,000 | 1,166,000 | 1,841,000 | 2,597,000 |
| Net interest income | 1,119,000 | 2,295,000 | 3,447,000 | 4,595,000 |
| Noninterest income | 357,000 | 706,000 | 1,087,000 | 1,455,000 |
| Noninterest expense | 901,000 | 1,839,000 | 2,765,000 | 3,837,000 |
| Provision for loan losses | 75,000 | 150,000 | 175,000 | 195,000 |
| Pretax income | 500,000 | 1,012,000 | 1,594,000 | 2,018,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 500,000 | 1,012,000 | 1,594,000 | 2,018,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,821,000 | 10,094,000 | 10,432,000 | 10,512,000 |
| Total capital | 10,669,000 | 10,935,000 | 11,250,000 | 11,339,000 |
| Risk-weighted assets | 66,986,000 | 66,378,000 | 64,516,000 | 65,248,000 |