Call reports 2014
CITIZENS COMMUNITY BANK — 2014
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 109,695,000 | 108,286,000 | 109,130,000 | 106,122,000 |
| Total loans | 70,880,000 | 73,517,000 | 75,175,000 | 77,859,000 |
| Allowance for loan losses | 922,000 | 985,000 | 989,000 | 958,000 |
| Securities available for sale | 23,316,000 | 21,434,000 | 20,880,000 | 17,663,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,959,000 | 97,397,000 | 97,941,000 | 94,906,000 |
| Interest-bearing deposits | 76,671,000 | 74,567,000 | 73,270,000 | 72,127,000 |
| Noninterest-bearing deposits | 22,288,000 | 22,830,000 | 24,671,000 | 22,779,000 |
| Equity capital | 10,500,000 | 10,736,000 | 10,908,000 | 11,050,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 932,000 | 1,892,000 | 2,847,000 | 3,810,000 |
| Interest expense | 133,000 | 261,000 | 386,000 | 504,000 |
| Net interest income | 799,000 | 1,631,000 | 2,461,000 | 3,306,000 |
| Noninterest income | 135,000 | 284,000 | 441,000 | 560,000 |
| Noninterest expense | 693,000 | 1,370,000 | 2,069,000 | 2,805,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 226,000 | 515,000 | 788,000 | 1,004,000 |
| Income tax | 74,000 | 172,000 | 268,000 | 338,000 |
| Net income | 152,000 | 343,000 | 520,000 | 666,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,604,000 | 10,795,000 | 10,971,000 | 11,118,000 |
| Total capital | 11,526,000 | 11,750,000 | 11,948,000 | 12,076,000 |
| Risk-weighted assets | 74,245,000 | 76,315,000 | 78,143,000 | 80,133,000 |