Call reports 2012
CITIZENS COMMUNITY BANK — 2012
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 123,073,000 | 121,974,000 | 121,519,000 | 121,392,000 |
| Total loans | 80,391,000 | 83,585,000 | 84,556,000 | 86,080,000 |
| Allowance for loan losses | 956,000 | 964,000 | 777,000 | 816,000 |
| Securities available for sale | 26,843,000 | 24,689,000 | 23,511,000 | 21,372,000 |
| Securities held to maturity | 0 | 0 | 0 | 1,033,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,125,000 | 109,816,000 | 109,159,000 | 109,008,000 |
| Interest-bearing deposits | 92,230,000 | 91,834,000 | 91,884,000 | 92,142,000 |
| Noninterest-bearing deposits | 18,895,000 | 17,982,000 | 17,275,000 | 16,866,000 |
| Equity capital | 11,700,000 | 11,837,000 | 12,055,000 | 12,253,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,502,000 | 3,014,000 | 4,531,000 | 6,027,000 |
| Interest expense | 291,000 | 559,000 | 809,000 | 1,036,000 |
| Net interest income | 1,211,000 | 2,455,000 | 3,722,000 | 4,991,000 |
| Noninterest income | 282,000 | 573,000 | 811,000 | 1,247,000 |
| Noninterest expense | 1,097,000 | 2,274,000 | 3,407,000 | 4,618,000 |
| Provision for loan losses | 100,000 | 215,000 | 315,000 | 465,000 |
| Pretax income | 296,000 | 539,000 | 811,000 | 1,172,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 296,000 | 539,000 | 811,000 | 1,172,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,456,000 | 11,515,000 | 11,642,000 | 11,934,000 |
| Total capital | 12,379,000 | 12,479,000 | 12,419,000 | 12,750,000 |
| Risk-weighted assets | 75,827,000 | 77,537,000 | 77,101,000 | 77,778,000 |