Call reports 2010
CITIZENS COMMUNITY BANK — 2010
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 118,708,000 | 118,369,000 | 116,545,000 | 115,405,000 |
| Total loans | 81,240,000 | 82,440,000 | 79,580,000 | 78,936,000 |
| Allowance for loan losses | 1,119,000 | 1,167,000 | 1,009,000 | 954,000 |
| Securities available for sale | 13,645,000 | 16,495,000 | 16,453,000 | 19,239,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,800,000 | 106,280,000 | 105,473,000 | 104,622,000 |
| Interest-bearing deposits | 91,889,000 | 90,491,000 | 91,365,000 | 89,578,000 |
| Noninterest-bearing deposits | 14,910,000 | 15,790,000 | 14,108,000 | 15,044,000 |
| Equity capital | 11,588,000 | 11,771,000 | 10,783,000 | 10,574,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,555,000 | 3,121,000 | 4,666,000 | 6,191,000 |
| Interest expense | 491,000 | 962,000 | 1,423,000 | 1,861,000 |
| Net interest income | 1,064,000 | 2,159,000 | 3,243,000 | 4,330,000 |
| Noninterest income | 430,000 | 1,016,000 | 581,000 | 975,000 |
| Noninterest expense | 1,148,000 | 2,369,000 | 3,440,000 | 4,472,000 |
| Provision for loan losses | 300,000 | 600,000 | 1,250,000 | 1,600,000 |
| Pretax income | 46,000 | 206,000 | -866,000 | -767,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 46,000 | 206,000 | -866,000 | -767,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,462,000 | 11,627,000 | 10,562,000 | 10,667,000 |
| Total capital | 12,441,000 | 12,612,000 | 11,502,000 | 11,603,000 |
| Risk-weighted assets | 77,431,000 | 77,861,000 | 75,120,000 | 74,927,000 |