Call reports 2010
CITIZENS COMMUNITY BANK — 2010
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 114,146,000 | 111,022,000 | 105,535,000 | 104,335,000 |
| Total loans | 85,488,000 | 80,855,000 | 78,001,000 | 76,385,000 |
| Allowance for loan losses | 1,285,000 | 1,218,000 | 1,293,000 | 1,147,000 |
| Securities available for sale | 9,617,000 | 9,183,000 | 9,129,000 | 8,708,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,404,000 | 100,240,000 | 94,861,000 | 94,841,000 |
| Interest-bearing deposits | 91,005,000 | 86,767,000 | 81,762,000 | 80,981,000 |
| Noninterest-bearing deposits | 12,399,000 | 13,473,000 | 13,099,000 | 13,860,000 |
| Equity capital | 8,534,000 | 8,590,000 | 8,449,000 | 8,320,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,450,000 | 2,841,000 | 4,211,000 | 5,533,000 |
| Interest expense | 525,000 | 992,000 | 1,407,000 | 1,784,000 |
| Net interest income | 925,000 | 1,849,000 | 2,804,000 | 3,749,000 |
| Noninterest income | 144,000 | 307,000 | 478,000 | 744,000 |
| Noninterest expense | 769,000 | 1,750,000 | 2,616,000 | 3,469,000 |
| Provision for loan losses | 275,000 | 350,000 | 745,000 | 1,230,000 |
| Pretax income | 25,000 | 56,000 | -79,000 | -206,000 |
| Income tax | 12,000 | 1,000 | 14,000 | 0 |
| Net income | 13,000 | 55,000 | -93,000 | -206,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,533,000 | 8,574,000 | 8,426,000 | 8,313,000 |
| Total capital | 9,634,000 | 9,601,000 | 9,413,000 | 9,284,000 |
| Risk-weighted assets | 87,914,000 | 81,951,000 | 78,639,000 | 77,500,000 |