Call reports 2009
CITIZENS COMMUNITY BANK — 2009
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 116,014,000 | 113,837,000 | 115,785,000 | 117,223,000 |
| Total loans | 81,942,000 | 81,995,000 | 83,512,000 | 83,116,000 |
| Allowance for loan losses | 1,020,000 | 1,082,000 | 1,154,000 | 1,133,000 |
| Securities available for sale | 9,707,000 | 14,581,000 | 16,450,000 | 14,271,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,738,000 | 101,558,000 | 103,321,000 | 105,131,000 |
| Interest-bearing deposits | 88,473,000 | 86,941,000 | 87,376,000 | 91,522,000 |
| Noninterest-bearing deposits | 15,265,000 | 14,616,000 | 15,945,000 | 13,609,000 |
| Equity capital | 11,890,000 | 11,850,000 | 12,073,000 | 11,868,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,707,000 | 3,364,000 | 5,041,000 | 6,707,000 |
| Interest expense | 679,000 | 1,306,000 | 1,911,000 | 2,438,000 |
| Net interest income | 1,028,000 | 2,058,000 | 3,130,000 | 4,269,000 |
| Noninterest income | 359,000 | 832,000 | 1,356,000 | 1,805,000 |
| Noninterest expense | 1,066,000 | 2,286,000 | 3,399,000 | 4,523,000 |
| Provision for loan losses | 125,000 | 275,000 | 425,000 | 780,000 |
| Pretax income | 196,000 | 329,000 | 662,000 | 771,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 196,000 | 329,000 | 662,000 | 771,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,553,000 | 11,543,000 | 11,796,000 | 11,660,000 |
| Total capital | 12,524,000 | 12,509,000 | 12,778,000 | 12,653,000 |
| Risk-weighted assets | 76,841,000 | 76,423,000 | 77,653,000 | 78,787,000 |