Call reports 2024
CITIZENS COMMUNITY BANK — 2024
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 189,254,000 | 191,498,000 | 186,380,000 | 200,505,000 |
| Total loans | 105,925,000 | 108,493,000 | 107,803,000 | 117,501,000 |
| Allowance for loan losses | 1,163,000 | 1,188,000 | 1,239,000 | 1,306,000 |
| Securities available for sale | 61,191,000 | 58,729,000 | 59,664,000 | 58,365,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,058,000 | 172,342,000 | 168,752,000 | 184,343,000 |
| Interest-bearing deposits | 116,505,000 | 115,900,000 | 120,163,000 | 126,735,000 |
| Noninterest-bearing deposits | 58,553,000 | 56,442,000 | 48,589,000 | 57,608,000 |
| Equity capital | 13,769,000 | 14,534,000 | 16,777,000 | 15,170,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 2,320,000 | 4,679,000 | 7,114,000 | 9,698,000 |
| Interest expense | 507,000 | 1,079,000 | 1,771,000 | 2,525,000 |
| Net interest income | 1,813,000 | 3,600,000 | 5,343,000 | 7,173,000 |
| Noninterest income | 252,000 | 502,000 | 780,000 | 1,182,000 |
| Noninterest expense | 1,502,000 | 2,829,000 | 4,335,000 | 5,929,000 |
| Provision for loan losses | 37,000 | 108,000 | 155,000 | 241,000 |
| Pretax income | 526,000 | 1,104,000 | 1,564,000 | 2,116,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 526,000 | 1,104,000 | 1,564,000 | 2,116,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,219,000 | 22,574,000 | 22,709,000 | 22,936,000 |
| Total capital | 23,388,000 | 23,823,000 | 24,017,000 | 24,311,000 |
| Risk-weighted assets | 118,309,000 | 118,683,000 | 119,060,000 | 128,813,000 |