Call reports 2021
CITIZENS COMMUNITY BANK — 2021
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 177,054,000 | 184,027,000 | 183,056,000 | 190,358,000 |
| Total loans | 88,264,000 | 88,755,000 | 87,903,000 | 85,390,000 |
| Allowance for loan losses | 989,000 | 1,023,000 | 1,015,000 | 953,000 |
| Securities available for sale | 53,282,000 | 61,325,000 | 63,740,000 | 64,925,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,297,000 | 163,490,000 | 162,297,000 | 170,077,000 |
| Interest-bearing deposits | 107,966,000 | 111,043,000 | 112,733,000 | 118,830,000 |
| Noninterest-bearing deposits | 49,331,000 | 52,447,000 | 49,564,000 | 51,247,000 |
| Equity capital | 19,637,000 | 20,370,000 | 20,528,000 | 20,236,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,511,000 | 3,212,000 | 4,777,000 | 6,313,000 |
| Interest expense | 111,000 | 212,000 | 304,000 | 383,000 |
| Net interest income | 1,400,000 | 3,000,000 | 4,473,000 | 5,930,000 |
| Noninterest income | 200,000 | 399,000 | 620,000 | 901,000 |
| Noninterest expense | 1,111,000 | 2,316,000 | 3,556,000 | 4,728,000 |
| Provision for loan losses | 34,000 | 67,000 | 90,000 | 90,000 |
| Pretax income | 457,000 | 1,019,000 | 1,451,000 | 2,017,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 457,000 | 1,019,000 | 1,451,000 | 2,017,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,240,000 | 19,602,000 | 19,733,000 | 20,100,000 |
| Total capital | 20,229,000 | 20,625,000 | 20,748,000 | 21,053,000 |
| Risk-weighted assets | 96,139,000 | 100,075,000 | 102,884,000 | 104,329,000 |