Call reports 2023
CITIZENS COMMUNITY BANK — 2023
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 187,211,000 | 189,587,000 | 190,633,000 | 189,717,000 |
| Total loans | 103,931,000 | 106,958,000 | 104,552,000 | 106,970,000 |
| Allowance for loan losses | 1,158,000 | 1,189,000 | 1,220,000 | 1,169,000 |
| Securities available for sale | 57,960,000 | 56,844,000 | 55,426,000 | 60,536,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,492,000 | 176,803,000 | 178,821,000 | 175,305,000 |
| Interest-bearing deposits | 119,535,000 | 119,832,000 | 121,560,000 | 118,726,000 |
| Noninterest-bearing deposits | 54,957,000 | 56,971,000 | 57,261,000 | 56,579,000 |
| Equity capital | 12,513,000 | 12,436,000 | 11,320,000 | 14,024,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,873,000 | 3,890,000 | 6,046,000 | 8,324,000 |
| Interest expense | 247,000 | 594,000 | 1,028,000 | 1,522,000 |
| Net interest income | 1,626,000 | 3,296,000 | 5,018,000 | 6,802,000 |
| Noninterest income | 282,000 | 555,000 | 862,000 | 1,135,000 |
| Noninterest expense | 1,443,000 | 2,812,000 | 4,291,000 | 5,779,000 |
| Provision for loan losses | 82,000 | 151,000 | 245,000 | 275,000 |
| Pretax income | 383,000 | 888,000 | 1,344,000 | 1,883,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 383,000 | 888,000 | 1,344,000 | 1,883,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,194,000 | 21,348,000 | 21,604,000 | 21,918,000 |
| Total capital | 22,358,000 | 22,543,000 | 22,831,000 | 23,094,000 |
| Risk-weighted assets | 117,910,000 | 117,010,000 | 117,517,000 | 120,216,000 |