Call reports 2012
CITIZENS COMMUNITY BANK — 2012
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 108,904,000 | 106,789,000 | 105,022,000 | 110,043,000 |
| Total loans | 67,642,000 | 68,982,000 | 69,653,000 | 69,681,000 |
| Allowance for loan losses | 766,000 | 810,000 | 831,000 | 887,000 |
| Securities available for sale | 22,721,000 | 22,837,000 | 20,713,000 | 22,823,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,165,000 | 96,763,000 | 94,674,000 | 99,706,000 |
| Interest-bearing deposits | 80,912,000 | 78,916,000 | 77,622,000 | 78,942,000 |
| Noninterest-bearing deposits | 18,253,000 | 17,847,000 | 17,052,000 | 20,764,000 |
| Equity capital | 9,359,000 | 9,571,000 | 9,797,000 | 9,928,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,152,000 | 2,294,000 | 3,436,000 | 4,503,000 |
| Interest expense | 234,000 | 443,000 | 631,000 | 802,000 |
| Net interest income | 918,000 | 1,851,000 | 2,805,000 | 3,701,000 |
| Noninterest income | 133,000 | 285,000 | 433,000 | 578,000 |
| Noninterest expense | 791,000 | 1,527,000 | 2,233,000 | 3,027,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 185,000 | 459,000 | 780,000 | 952,000 |
| Income tax | 17,000 | 114,000 | 227,000 | 243,000 |
| Net income | 168,000 | 345,000 | 553,000 | 709,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,291,000 | 9,468,000 | 9,676,000 | 9,832,000 |
| Total capital | 10,057,000 | 10,278,000 | 10,507,000 | 10,719,000 |
| Risk-weighted assets | 72,369,000 | 72,328,000 | 72,739,000 | 73,630,000 |