Call reports 2015
CITIZENS COMMUNITY BANK — 2015
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 128,041,000 | 129,072,000 | 128,832,000 | 130,772,000 |
| Total loans | 85,850,000 | 84,700,000 | 84,530,000 | 87,859,000 |
| Allowance for loan losses | 926,000 | 917,000 | 897,000 | 881,000 |
| Securities available for sale | 29,993,000 | 30,173,000 | 31,571,000 | 33,453,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,196,000 | 115,334,000 | 114,516,000 | 116,722,000 |
| Interest-bearing deposits | 94,400,000 | 93,347,000 | 92,113,000 | 92,290,000 |
| Noninterest-bearing deposits | 19,796,000 | 21,987,000 | 22,403,000 | 24,432,000 |
| Equity capital | 13,598,000 | 13,438,000 | 13,937,000 | 13,868,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,478,000 | 2,949,000 | 4,440,000 | 5,989,000 |
| Interest expense | 133,000 | 263,000 | 390,000 | 518,000 |
| Net interest income | 1,345,000 | 2,686,000 | 4,050,000 | 5,471,000 |
| Noninterest income | 341,000 | 723,000 | 1,181,000 | 1,690,000 |
| Noninterest expense | 1,215,000 | 2,412,000 | 3,701,000 | 5,118,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 471,000 | 997,000 | 1,530,000 | 2,043,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 471,000 | 997,000 | 1,530,000 | 2,043,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,585,000 | 13,816,000 | 14,053,000 | 14,264,000 |
| Total capital | 14,511,000 | 14,733,000 | 14,950,000 | 15,145,000 |
| Risk-weighted assets | 79,211,000 | 78,984,000 | 79,993,000 | 83,356,000 |