Call reports 2008
CITIZENS COMMUNITY BANK — 2008
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 116,159,000 | 112,341,000 | 107,077,000 | 112,390,000 |
| Total loans | 72,041,000 | 73,374,000 | 75,335,000 | 79,894,000 |
| Allowance for loan losses | 1,102,000 | 1,021,000 | 1,060,000 | 935,000 |
| Securities available for sale | 16,608,000 | 16,167,000 | 14,213,000 | 14,357,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,655,000 | 100,119,000 | 94,545,000 | 99,984,000 |
| Interest-bearing deposits | 88,996,000 | 84,865,000 | 81,473,000 | 87,016,000 |
| Noninterest-bearing deposits | 14,659,000 | 15,254,000 | 13,072,000 | 12,968,000 |
| Equity capital | 12,047,000 | 11,752,000 | 12,099,000 | 12,069,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,986,000 | 3,872,000 | 5,723,000 | 7,536,000 |
| Interest expense | 921,000 | 1,757,000 | 2,503,000 | 3,240,000 |
| Net interest income | 1,065,000 | 2,115,000 | 3,220,000 | 4,296,000 |
| Noninterest income | 375,000 | 760,000 | 1,225,000 | 1,633,000 |
| Noninterest expense | 1,011,000 | 2,031,000 | 3,056,000 | 4,356,000 |
| Provision for loan losses | 80,000 | 205,000 | 280,000 | 380,000 |
| Pretax income | 349,000 | 639,000 | 1,109,000 | 1,193,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 349,000 | 639,000 | 1,109,000 | 1,193,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,572,000 | 11,639,000 | 11,879,000 | 11,652,000 |
| Total capital | 12,454,000 | 12,546,000 | 12,787,000 | 12,587,000 |
| Risk-weighted assets | 69,616,000 | 71,647,000 | 71,708,000 | 75,765,000 |