Call reports 2015
CITIZENS COMMUNITY BANK — 2015
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 108,787,000 | 108,400,000 | 111,098,000 | 110,254,000 |
| Total loans | 79,210,000 | 82,510,000 | 84,064,000 | 80,698,000 |
| Allowance for loan losses | 981,000 | 1,042,000 | 1,064,000 | 1,120,000 |
| Securities available for sale | 16,118,000 | 15,546,000 | 15,571,000 | 14,508,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,524,000 | 95,012,000 | 97,341,000 | 98,509,000 |
| Interest-bearing deposits | 72,398,000 | 71,411,000 | 71,933,000 | 70,340,000 |
| Noninterest-bearing deposits | 25,126,000 | 23,601,000 | 25,408,000 | 28,169,000 |
| Equity capital | 11,034,000 | 11,210,000 | 11,461,000 | 11,458,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 958,000 | 1,978,000 | 2,996,000 | 4,026,000 |
| Interest expense | 112,000 | 219,000 | 325,000 | 434,000 |
| Net interest income | 846,000 | 1,759,000 | 2,671,000 | 3,592,000 |
| Noninterest income | 139,000 | 253,000 | 393,000 | 542,000 |
| Noninterest expense | 724,000 | 1,414,000 | 2,116,000 | 2,871,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 246,000 | 568,000 | 903,000 | 1,203,000 |
| Income tax | 29,000 | 145,000 | 267,000 | 356,000 |
| Net income | 217,000 | 423,000 | 636,000 | 847,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,034,000 | 11,159,000 | 11,466,000 | 11,458,000 |
| Total capital | 12,015,000 | 12,201,000 | 12,531,000 | 12,514,000 |
| Risk-weighted assets | 83,149,000 | 86,472,000 | 87,397,000 | 83,348,000 |