Call reports 2013
CITIZENS COMMUNITY BANK — 2013
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 125,559,000 | 123,283,000 | 123,189,000 | 126,052,000 |
| Total loans | 85,265,000 | 84,542,000 | 87,621,000 | 84,568,000 |
| Allowance for loan losses | 881,000 | 943,000 | 950,000 | 940,000 |
| Securities available for sale | 23,648,000 | 28,343,000 | 27,210,000 | 27,760,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,073,000 | 111,469,000 | 111,156,000 | 114,326,000 |
| Interest-bearing deposits | 95,171,000 | 92,871,000 | 93,721,000 | 97,164,000 |
| Noninterest-bearing deposits | 17,902,000 | 18,598,000 | 17,435,000 | 17,162,000 |
| Equity capital | 12,258,000 | 11,494,000 | 11,674,000 | 11,523,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,479,000 | 2,963,000 | 4,489,000 | 6,000,000 |
| Interest expense | 209,000 | 405,000 | 591,000 | 776,000 |
| Net interest income | 1,270,000 | 2,558,000 | 3,898,000 | 5,224,000 |
| Noninterest income | 393,000 | 714,000 | 1,116,000 | 1,570,000 |
| Noninterest expense | 1,238,000 | 2,472,000 | 3,625,000 | 5,005,000 |
| Provision for loan losses | 100,000 | 175,000 | 175,000 | 175,000 |
| Pretax income | 325,000 | 625,000 | 1,214,000 | 1,614,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 325,000 | 625,000 | 1,214,000 | 1,614,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,990,000 | 12,046,000 | 12,441,000 | 12,476,000 |
| Total capital | 12,871,000 | 12,989,000 | 13,391,000 | 13,416,000 |
| Risk-weighted assets | 79,401,000 | 77,990,000 | 80,218,000 | 77,628,000 |