Call reports 2017
CITIZENS COMMUNITY BANK — 2017
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 138,119,000 | 137,996,000 | 136,077,000 | 140,128,000 |
| Total loans | 90,398,000 | 89,130,000 | 91,073,000 | 87,434,000 |
| Allowance for loan losses | 938,000 | 913,000 | 962,000 | 967,000 |
| Securities available for sale | 31,256,000 | 33,855,000 | 33,296,000 | 36,409,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,095,000 | 122,396,000 | 119,933,000 | 124,562,000 |
| Interest-bearing deposits | 95,064,000 | 94,035,000 | 92,356,000 | 95,539,000 |
| Noninterest-bearing deposits | 28,031,000 | 28,361,000 | 27,577,000 | 29,023,000 |
| Equity capital | 14,775,000 | 15,274,000 | 15,722,000 | 15,373,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,492,000 | 3,000,000 | 4,670,000 | 6,230,000 |
| Interest expense | 125,000 | 252,000 | 378,000 | 505,000 |
| Net interest income | 1,367,000 | 2,748,000 | 4,292,000 | 5,725,000 |
| Noninterest income | 343,000 | 745,000 | 1,200,000 | 1,608,000 |
| Noninterest expense | 1,270,000 | 2,570,000 | 3,804,000 | 5,181,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 200,000 |
| Pretax income | 380,000 | 803,000 | 1,508,000 | 1,952,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 380,000 | 803,000 | 1,508,000 | 1,952,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,186,000 | 15,419,000 | 15,914,000 | 15,959,000 |
| Total capital | 16,124,000 | 16,332,000 | 16,876,000 | 16,926,000 |
| Risk-weighted assets | 89,369,000 | 89,216,000 | 91,175,000 | 89,353,000 |