Call reports 2011
CITIZENS COMMUNITY BANK — 2011
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 109,306,000 | 104,451,000 | 103,739,000 | 106,756,000 |
| Total loans | 73,348,000 | 73,714,000 | 71,829,000 | 69,123,000 |
| Allowance for loan losses | 1,196,000 | 1,260,000 | 905,000 | 699,000 |
| Securities available for sale | 16,100,000 | 14,866,000 | 14,647,000 | 19,866,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,617,000 | 95,472,000 | 94,503,000 | 97,289,000 |
| Interest-bearing deposits | 83,945,000 | 79,709,000 | 77,160,000 | 77,848,000 |
| Noninterest-bearing deposits | 15,672,000 | 15,763,000 | 17,343,000 | 19,441,000 |
| Equity capital | 8,494,000 | 8,748,000 | 8,975,000 | 9,115,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,254,000 | 2,553,000 | 3,822,000 | 4,998,000 |
| Interest expense | 349,000 | 658,000 | 927,000 | 1,175,000 |
| Net interest income | 905,000 | 1,895,000 | 2,895,000 | 3,823,000 |
| Noninterest income | 149,000 | 277,000 | 449,000 | 606,000 |
| Noninterest expense | 741,000 | 1,478,000 | 2,202,000 | 2,904,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 238,000 | 544,000 | 917,000 | 1,225,000 |
| Income tax | 50,000 | 164,000 | 308,000 | 416,000 |
| Net income | 188,000 | 380,000 | 609,000 | 809,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,502,000 | 8,693,000 | 8,923,000 | 9,123,000 |
| Total capital | 9,459,000 | 9,648,000 | 9,828,000 | 9,822,000 |
| Risk-weighted assets | 76,286,000 | 76,088,000 | 75,200,000 | 73,631,000 |