Call reports 2013
CITIZENS COMMUNITY BANK — 2013
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 112,377,000 | 113,089,000 | 111,695,000 | 108,013,000 |
| Total loans | 68,108,000 | 70,233,000 | 70,572,000 | 70,950,000 |
| Allowance for loan losses | 938,000 | 996,000 | 937,000 | 961,000 |
| Securities available for sale | 24,126,000 | 26,695,000 | 26,225,000 | 24,167,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,952,000 | 102,922,000 | 101,302,000 | 97,550,000 |
| Interest-bearing deposits | 80,352,000 | 81,302,000 | 78,613,000 | 65,070,000 |
| Noninterest-bearing deposits | 21,600,000 | 21,620,000 | 22,689,000 | 32,480,000 |
| Equity capital | 10,068,000 | 9,878,000 | 10,143,000 | 10,288,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,000,000 | 2,008,000 | 3,017,000 | 3,989,000 |
| Interest expense | 168,000 | 329,000 | 488,000 | 632,000 |
| Net interest income | 832,000 | 1,679,000 | 2,529,000 | 3,357,000 |
| Noninterest income | 185,000 | 314,000 | 467,000 | 593,000 |
| Noninterest expense | 704,000 | 1,431,000 | 2,119,000 | 2,849,000 |
| Provision for loan losses | 75,000 | 150,000 | 165,000 | 180,000 |
| Pretax income | 238,000 | 412,000 | 712,000 | 921,000 |
| Income tax | 70,000 | 136,000 | 238,000 | 302,000 |
| Net income | 168,000 | 276,000 | 474,000 | 619,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,001,000 | 10,108,000 | 10,306,000 | 10,452,000 |
| Total capital | 10,911,000 | 11,032,000 | 11,243,000 | 11,376,000 |
| Risk-weighted assets | 72,791,000 | 73,881,000 | 74,291,000 | 73,644,000 |