Call reports 2014
CITIZENS COMMUNITY BANK — 2014
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 130,711,000 | 129,818,000 | 124,759,000 | 125,817,000 |
| Total loans | 86,253,000 | 87,286,000 | 87,196,000 | 85,199,000 |
| Allowance for loan losses | 961,000 | 1,006,000 | 995,000 | 931,000 |
| Securities available for sale | 31,289,000 | 34,219,000 | 31,544,000 | 29,896,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,273,000 | 114,871,000 | 111,090,000 | 112,493,000 |
| Interest-bearing deposits | 98,397,000 | 94,441,000 | 93,079,000 | 93,167,000 |
| Noninterest-bearing deposits | 19,876,000 | 20,430,000 | 18,011,000 | 19,326,000 |
| Equity capital | 12,184,000 | 12,646,000 | 12,993,000 | 13,167,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,483,000 | 3,003,000 | 4,523,000 | 6,005,000 |
| Interest expense | 164,000 | 314,000 | 454,000 | 588,000 |
| Net interest income | 1,319,000 | 2,689,000 | 4,069,000 | 5,417,000 |
| Noninterest income | 377,000 | 748,000 | 1,138,000 | 1,496,000 |
| Noninterest expense | 1,233,000 | 2,455,000 | 3,670,000 | 5,049,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 180,000 |
| Pretax income | 403,000 | 862,000 | 1,381,000 | 1,708,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 403,000 | 862,000 | 1,381,000 | 1,708,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,878,000 | 13,098,000 | 13,356,000 | 13,398,000 |
| Total capital | 13,839,000 | 14,104,000 | 14,351,000 | 14,329,000 |
| Risk-weighted assets | 79,730,000 | 80,862,000 | 79,924,000 | 77,899,000 |