Call reports 2009
CITIZENS COMMUNITY BANK — 2009
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 127,034,000 | 126,153,000 | 120,929,000 | 117,414,000 |
| Total loans | 99,041,000 | 97,337,000 | 92,783,000 | 90,372,000 |
| Allowance for loan losses | 1,604,000 | 1,669,000 | 1,644,000 | 1,559,000 |
| Securities available for sale | 8,253,000 | 7,634,000 | 7,358,000 | 9,882,000 |
| Securities held to maturity | 0 | 0 | 0 | 145,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,226,000 | 114,107,000 | 108,640,000 | 106,689,000 |
| Interest-bearing deposits | 104,622,000 | 103,707,000 | 97,266,000 | 94,239,000 |
| Noninterest-bearing deposits | 10,604,000 | 10,400,000 | 11,374,000 | 12,450,000 |
| Equity capital | 8,472,000 | 8,695,000 | 8,965,000 | 8,510,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,753,000 | 3,479,000 | 5,163,000 | 6,690,000 |
| Interest expense | 907,000 | 1,768,000 | 2,529,000 | 3,174,000 |
| Net interest income | 846,000 | 1,711,000 | 2,634,000 | 3,516,000 |
| Noninterest income | 160,000 | 326,000 | 492,000 | 685,000 |
| Noninterest expense | 746,000 | 1,493,000 | 2,317,000 | 3,186,000 |
| Provision for loan losses | 1,175,000 | 1,250,000 | 1,475,000 | 2,300,000 |
| Pretax income | -915,000 | -706,000 | -666,000 | -1,149,000 |
| Income tax | -14,000 | -14,000 | -250,000 | -401,000 |
| Net income | -901,000 | -692,000 | -416,000 | -748,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,357,000 | 8,575,000 | 8,852,000 | 8,520,000 |
| Total capital | 9,616,000 | 9,815,000 | 10,041,000 | 9,687,000 |
| Risk-weighted assets | 100,398,000 | 98,839,000 | 94,630,000 | 92,943,000 |