Call reports 2016
CITIZENS COMMUNITY BANK — 2016
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 134,008,000 | 138,945,000 | 135,891,000 | 133,967,000 |
| Total loans | 89,400,000 | 93,405,000 | 93,903,000 | 90,374,000 |
| Allowance for loan losses | 895,000 | 823,000 | 833,000 | 890,000 |
| Securities available for sale | 32,610,000 | 30,970,000 | 28,045,000 | 28,233,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,967,000 | 122,304,000 | 120,000,000 | 119,296,000 |
| Interest-bearing deposits | 94,403,000 | 95,333,000 | 93,640,000 | 93,886,000 |
| Noninterest-bearing deposits | 24,564,000 | 26,971,000 | 26,360,000 | 25,410,000 |
| Equity capital | 14,726,000 | 15,102,000 | 15,476,000 | 14,519,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,535,000 | 3,098,000 | 4,651,000 | 6,168,000 |
| Interest expense | 127,000 | 258,000 | 388,000 | 517,000 |
| Net interest income | 1,408,000 | 2,840,000 | 4,263,000 | 5,651,000 |
| Noninterest income | 522,000 | 960,000 | 1,345,000 | 1,759,000 |
| Noninterest expense | 1,287,000 | 2,652,000 | 3,887,000 | 5,262,000 |
| Provision for loan losses | 15,000 | 40,000 | 100,000 | 160,000 |
| Pretax income | 628,000 | 1,108,000 | 1,621,000 | 1,988,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 628,000 | 1,108,000 | 1,621,000 | 1,988,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,697,000 | 14,862,000 | 15,125,000 | 15,107,000 |
| Total capital | 15,592,000 | 15,685,000 | 15,958,000 | 15,997,000 |
| Risk-weighted assets | 84,596,000 | 87,753,000 | 90,061,000 | 88,175,000 |