Call reports 2007
CITIZENS COMMUNITY BANK — 2007
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 108,631,000 | 111,952,000 | 112,518,000 | 113,220,000 |
| Total loans | 69,939,000 | 73,797,000 | 72,282,000 | 71,493,000 |
| Allowance for loan losses | 1,018,000 | 1,021,000 | 1,046,000 | 1,037,000 |
| Securities available for sale | 13,150,000 | 17,937,000 | 17,995,000 | 17,172,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,386,000 | 100,327,000 | 100,450,000 | 101,020,000 |
| Interest-bearing deposits | 82,932,000 | 86,421,000 | 86,826,000 | 86,543,000 |
| Noninterest-bearing deposits | 14,454,000 | 13,906,000 | 13,624,000 | 14,477,000 |
| Equity capital | 10,794,000 | 11,145,000 | 11,524,000 | 11,770,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,946,000 | 4,018,000 | 6,157,000 | 8,278,000 |
| Interest expense | 830,000 | 1,758,000 | 2,746,000 | 3,719,000 |
| Net interest income | 1,116,000 | 2,260,000 | 3,411,000 | 4,559,000 |
| Noninterest income | 372,000 | 828,000 | 1,291,000 | 1,723,000 |
| Noninterest expense | 972,000 | 1,935,000 | 2,971,000 | 4,028,000 |
| Provision for loan losses | 49,000 | 65,000 | 140,000 | 210,000 |
| Pretax income | 467,000 | 1,088,000 | 1,591,000 | 2,044,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 467,000 | 1,088,000 | 1,591,000 | 2,044,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,749,000 | 11,127,000 | 11,310,000 | 11,432,000 |
| Total capital | 11,582,000 | 12,001,000 | 12,176,000 | 12,306,000 |
| Risk-weighted assets | 65,697,000 | 69,038,000 | 68,375,000 | 68,957,000 |