Call reports 2020
CITIZENS COMMUNITY BANK — 2020
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 144,824,000 | 161,660,000 | 160,297,000 | 162,292,000 |
| Total loans | 88,650,000 | 93,375,000 | 93,617,000 | 88,489,000 |
| Allowance for loan losses | 982,000 | 1,024,000 | 1,042,000 | 989,000 |
| Securities available for sale | 36,724,000 | 39,464,000 | 41,915,000 | 45,643,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,434,000 | 141,803,000 | 140,014,000 | 141,934,000 |
| Interest-bearing deposits | 93,357,000 | 96,634,000 | 96,617,000 | 101,338,000 |
| Noninterest-bearing deposits | 33,077,000 | 45,169,000 | 43,397,000 | 40,596,000 |
| Equity capital | 18,238,000 | 19,666,000 | 20,123,000 | 20,278,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,603,000 | 3,204,000 | 4,858,000 | 6,375,000 |
| Interest expense | 227,000 | 426,000 | 593,000 | 736,000 |
| Net interest income | 1,376,000 | 2,778,000 | 4,265,000 | 5,639,000 |
| Noninterest income | 175,000 | 352,000 | 558,000 | 796,000 |
| Noninterest expense | 1,107,000 | 2,297,000 | 3,375,000 | 4,574,000 |
| Provision for loan losses | 46,000 | 92,000 | 107,000 | 107,000 |
| Pretax income | 398,000 | 771,000 | 1,371,000 | 1,784,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 398,000 | 771,000 | 1,371,000 | 1,784,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,197,000 | 18,470,000 | 18,870,000 | 18,983,000 |
| Total capital | 19,179,000 | 19,494,000 | 19,912,000 | 19,972,000 |
| Risk-weighted assets | 93,732,000 | 91,131,000 | 97,206,000 | 100,127,000 |