Call reports 2011
CITIZENS COMMUNITY BANK — 2011
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 118,505,000 | 120,994,000 | 120,462,000 | 117,978,000 |
| Total loans | 79,932,000 | 79,917,000 | 80,424,000 | 80,066,000 |
| Allowance for loan losses | 939,000 | 1,071,000 | 917,000 | 948,000 |
| Securities available for sale | 21,308,000 | 23,345,000 | 23,476,000 | 27,612,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,437,000 | 109,275,000 | 108,355,000 | 106,219,000 |
| Interest-bearing deposits | 90,857,000 | 92,326,000 | 90,920,000 | 89,909,000 |
| Noninterest-bearing deposits | 16,580,000 | 16,949,000 | 17,435,000 | 16,310,000 |
| Equity capital | 10,775,000 | 11,362,000 | 11,746,000 | 11,586,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,493,000 | 3,010,000 | 4,520,000 | 6,039,000 |
| Interest expense | 405,000 | 779,000 | 1,136,000 | 1,446,000 |
| Net interest income | 1,088,000 | 2,231,000 | 3,384,000 | 4,593,000 |
| Noninterest income | 320,000 | 814,000 | 1,070,000 | 1,289,000 |
| Noninterest expense | 1,089,000 | 2,311,000 | 3,379,000 | 4,494,000 |
| Provision for loan losses | 150,000 | 275,000 | 325,000 | 400,000 |
| Pretax income | 169,000 | 459,000 | 750,000 | 988,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 169,000 | 459,000 | 750,000 | 988,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,842,000 | 11,138,000 | 11,434,000 | 11,304,000 |
| Total capital | 11,781,000 | 12,100,000 | 12,351,000 | 12,234,000 |
| Risk-weighted assets | 76,225,000 | 76,820,000 | 76,479,000 | 74,389,000 |