Call reports 2017
CITIZENS COMMUNITY BANK — 2017
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 111,254,000 | 104,493,000 | 104,841,000 | 100,117,000 |
| Total loans | 73,170,000 | 74,788,000 | 76,824,000 | 74,935,000 |
| Allowance for loan losses | 1,125,000 | 1,148,000 | 1,154,000 | 1,146,000 |
| Securities available for sale | 17,657,000 | 17,692,000 | 16,442,000 | 15,312,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,613,000 | 92,582,000 | 92,882,000 | 88,190,000 |
| Interest-bearing deposits | 72,158,000 | 57,741,000 | 56,751,000 | 64,433,000 |
| Noninterest-bearing deposits | 27,455,000 | 34,841,000 | 36,131,000 | 23,757,000 |
| Equity capital | 11,555,000 | 11,702,000 | 11,843,000 | 11,810,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 898,000 | 1,806,000 | 2,755,000 | 3,698,000 |
| Interest expense | 102,000 | 189,000 | 303,000 | 406,000 |
| Net interest income | 796,000 | 1,617,000 | 2,452,000 | 3,292,000 |
| Noninterest income | 150,000 | 316,000 | 503,000 | 665,000 |
| Noninterest expense | 676,000 | 1,391,000 | 2,111,000 | 2,862,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 270,000 | 542,000 | 844,000 | 1,095,000 |
| Income tax | 94,000 | 164,000 | 245,000 | 347,000 |
| Net income | 176,000 | 378,000 | 599,000 | 748,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,636,000 | 11,753,000 | 11,889,000 | 11,798,000 |
| Total capital | 12,623,000 | 12,740,000 | 12,897,000 | 12,783,000 |
| Risk-weighted assets | 78,830,000 | 78,774,000 | 80,517,000 | 78,549,000 |