Call reports 2022
CITIZENS COMMUNITY BANK — 2022
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 192,533,000 | 196,606,000 | 187,997,000 | 177,580,000 |
| Total loans | 89,445,000 | 94,266,000 | 95,913,000 | 101,842,000 |
| Allowance for loan losses | 975,000 | 1,009,000 | 989,000 | 1,010,000 |
| Securities available for sale | 63,698,000 | 60,272,000 | 58,893,000 | 58,623,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,018,000 | 184,570,000 | 176,635,000 | 165,300,000 |
| Interest-bearing deposits | 122,824,000 | 127,276,000 | 122,568,000 | 112,496,000 |
| Noninterest-bearing deposits | 53,194,000 | 57,294,000 | 54,067,000 | 52,804,000 |
| Equity capital | 16,399,000 | 11,858,000 | 11,115,000 | 12,213,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,486,000 | 3,122,000 | 4,899,000 | 6,700,000 |
| Interest expense | 74,000 | 145,000 | 219,000 | 319,000 |
| Net interest income | 1,412,000 | 2,977,000 | 4,680,000 | 6,381,000 |
| Noninterest income | 250,000 | 528,000 | 771,000 | 1,074,000 |
| Noninterest expense | 1,337,000 | 2,614,000 | 4,039,000 | 5,326,000 |
| Provision for loan losses | 35,000 | 70,000 | 106,000 | 141,000 |
| Pretax income | 290,000 | 821,000 | 1,306,000 | 1,988,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 290,000 | 821,000 | 1,306,000 | 1,988,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,189,000 | 20,520,000 | 20,757,000 | 21,238,000 |
| Total capital | 21,164,000 | 21,529,000 | 21,754,000 | 22,255,000 |
| Risk-weighted assets | 109,750,000 | 112,166,000 | 111,739,000 | 114,892,000 |