Call reports 2006
CITIZENS COMMUNITY BANK — 2006
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 83,436,000 | 84,351,000 | 83,300,000 | 84,699,000 |
| Total loans | 66,142,000 | 68,465,000 | 67,236,000 | 67,352,000 |
| Allowance for loan losses | 993,000 | 1,035,000 | 1,085,000 | 1,155,000 |
| Securities available for sale | 5,843,000 | 6,072,000 | 6,623,000 | 7,948,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,466,000 | 73,290,000 | 71,926,000 | 73,373,000 |
| Interest-bearing deposits | 64,541,000 | 64,815,000 | 64,187,000 | 64,849,000 |
| Noninterest-bearing deposits | 7,925,000 | 8,475,000 | 7,739,000 | 8,524,000 |
| Equity capital | 6,020,000 | 6,224,000 | 6,506,000 | 6,451,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,259,000 | 2,652,000 | 4,091,000 | 5,559,000 |
| Interest expense | 555,000 | 1,213,000 | 1,899,000 | 2,597,000 |
| Net interest income | 704,000 | 1,439,000 | 2,192,000 | 2,962,000 |
| Noninterest income | 155,000 | 322,000 | 488,000 | 646,000 |
| Noninterest expense | 514,000 | 1,029,000 | 1,579,000 | 2,271,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 300,000 | 642,000 | 966,000 | 1,157,000 |
| Income tax | 114,000 | 240,000 | 331,000 | 402,000 |
| Net income | 186,000 | 402,000 | 635,000 | 755,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,051,000 | 6,266,000 | 6,500,000 | 6,439,000 |
| Total capital | 6,877,000 | 7,116,000 | 7,354,000 | 7,295,000 |
| Risk-weighted assets | 67,156,000 | 69,204,000 | 68,081,000 | 68,226,000 |