Call reports 2018
CITIZENS COMMUNITY BANK — 2018
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 139,509,000 | 134,762,000 | 133,587,000 | 132,695,000 |
| Total loans | 87,005,000 | 86,192,000 | 89,702,000 | 87,089,000 |
| Allowance for loan losses | 919,000 | 956,000 | 1,471,000 | 1,322,000 |
| Securities available for sale | 34,967,000 | 33,995,000 | 32,772,000 | 32,465,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,254,000 | 118,915,000 | 116,226,000 | 116,839,000 |
| Interest-bearing deposits | 93,254,000 | 87,425,000 | 86,065,000 | 86,305,000 |
| Noninterest-bearing deposits | 31,000,000 | 31,490,000 | 30,161,000 | 30,534,000 |
| Equity capital | 14,979,000 | 15,500,000 | 15,488,000 | 15,660,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,522,000 | 3,036,000 | 4,602,000 | 6,147,000 |
| Interest expense | 122,000 | 239,000 | 395,000 | 562,000 |
| Net interest income | 1,400,000 | 2,797,000 | 4,207,000 | 5,585,000 |
| Noninterest income | 321,000 | 1,166,000 | 1,582,000 | 1,530,000 |
| Noninterest expense | 1,306,000 | 2,677,000 | 3,883,000 | 5,069,000 |
| Provision for loan losses | 30,000 | 60,000 | 80,000 | 80,000 |
| Pretax income | 385,000 | 1,226,000 | 1,826,000 | 1,966,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 385,000 | 1,226,000 | 1,826,000 | 1,966,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,094,000 | 16,759,000 | 16,959,000 | 16,700,000 |
| Total capital | 17,013,000 | 17,715,000 | 18,098,000 | 17,801,000 |
| Risk-weighted assets | 89,048,000 | 87,314,000 | 90,864,000 | 87,867,000 |