Call reports 2016
CITIZENS COMMUNITY BANK — 2016
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 111,179,000 | 108,083,000 | 107,358,000 | 107,243,000 |
| Total loans | 73,228,000 | 74,021,000 | 72,306,000 | 73,256,000 |
| Allowance for loan losses | 1,102,000 | 1,119,000 | 1,081,000 | 1,117,000 |
| Securities available for sale | 17,907,000 | 20,476,000 | 18,001,000 | 18,207,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,263,000 | 96,008,000 | 95,278,000 | 95,689,000 |
| Interest-bearing deposits | 73,244,000 | 71,246,000 | 69,394,000 | 68,552,000 |
| Noninterest-bearing deposits | 26,019,000 | 24,762,000 | 25,884,000 | 27,137,000 |
| Equity capital | 11,676,000 | 11,877,000 | 11,937,000 | 11,475,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 931,000 | 1,850,000 | 2,759,000 | 3,680,000 |
| Interest expense | 106,000 | 207,000 | 310,000 | 412,000 |
| Net interest income | 825,000 | 1,643,000 | 2,449,000 | 3,268,000 |
| Noninterest income | 142,000 | 295,000 | 466,000 | 621,000 |
| Noninterest expense | 680,000 | 1,343,000 | 2,069,000 | 2,829,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 287,000 | 595,000 | 846,000 | 1,060,000 |
| Income tax | 80,000 | 186,000 | 261,000 | 299,000 |
| Net income | 207,000 | 409,000 | 585,000 | 761,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,676,000 | 11,762,000 | 11,870,000 | 11,630,000 |
| Total capital | 12,645,000 | 12,732,000 | 12,830,000 | 12,598,000 |
| Risk-weighted assets | 77,367,000 | 77,398,000 | 76,628,000 | 77,358,000 |