Call reports 2019
CITIZENS COMMUNITY BANK — 2019
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 138,334,000 | 138,339,000 | 136,386,000 | 138,127,000 |
| Total loans | 85,108,000 | 90,174,000 | 89,109,000 | 88,712,000 |
| Allowance for loan losses | 1,299,000 | 1,234,000 | 1,245,000 | 1,242,000 |
| Securities available for sale | 34,140,000 | 33,726,000 | 34,077,000 | 33,621,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,646,000 | 120,855,000 | 118,355,000 | 119,935,000 |
| Interest-bearing deposits | 89,584,000 | 86,061,000 | 86,100,000 | 89,209,000 |
| Noninterest-bearing deposits | 32,062,000 | 34,794,000 | 32,255,000 | 30,726,000 |
| Equity capital | 16,541,000 | 17,290,000 | 17,792,000 | 18,083,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,539,000 | 3,155,000 | 4,763,000 | 6,364,000 |
| Interest expense | 189,000 | 410,000 | 645,000 | 875,000 |
| Net interest income | 1,350,000 | 2,745,000 | 4,118,000 | 5,489,000 |
| Noninterest income | 145,000 | 340,000 | 545,000 | 749,000 |
| Noninterest expense | 1,059,000 | 2,247,000 | 3,306,000 | 4,454,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 436,000 | 838,000 | 1,362,000 | 1,789,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 436,000 | 838,000 | 1,362,000 | 1,789,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,135,000 | 17,337,000 | 17,687,000 | 17,898,000 |
| Total capital | 18,220,000 | 18,495,000 | 18,826,000 | 19,036,000 |
| Risk-weighted assets | 86,647,000 | 92,608,000 | 91,020,000 | 90,963,000 |