Call reports 2007
CITIZENS COMMUNITY BANK — 2007
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 86,935,000 | 94,835,000 | 98,710,000 | 100,047,000 |
| Total loans | 69,354,000 | 75,687,000 | 76,327,000 | 81,149,000 |
| Allowance for loan losses | 1,170,000 | 1,207,000 | 1,253,000 | 1,292,000 |
| Securities available for sale | 7,570,000 | 7,500,000 | 7,603,000 | 8,170,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,296,000 | 82,222,000 | 87,313,000 | 89,777,000 |
| Interest-bearing deposits | 67,127,000 | 72,074,000 | 78,313,000 | 79,699,000 |
| Noninterest-bearing deposits | 8,169,000 | 10,148,000 | 9,000,000 | 10,078,000 |
| Equity capital | 6,673,000 | 6,694,000 | 7,681,000 | 7,922,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,492,000 | 3,076,000 | 4,791,000 | 6,546,000 |
| Interest expense | 724,000 | 1,511,000 | 2,419,000 | 3,347,000 |
| Net interest income | 768,000 | 1,565,000 | 2,372,000 | 3,199,000 |
| Noninterest income | 151,000 | 325,000 | 517,000 | 704,000 |
| Noninterest expense | 546,000 | 1,101,000 | 1,714,000 | 2,376,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 328,000 | 699,000 | 1,040,000 | 1,347,000 |
| Income tax | 106,000 | 240,000 | 368,000 | 479,000 |
| Net income | 222,000 | 459,000 | 672,000 | 868,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,662,000 | 6,719,000 | 7,637,000 | 7,833,000 |
| Total capital | 7,541,000 | 7,683,000 | 8,612,000 | 8,859,000 |
| Risk-weighted assets | 70,100,000 | 76,883,000 | 77,715,000 | 81,859,000 |