Call reports 2018
CITIZENS COMMUNITY BANK — 2018
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 105,075,000 | 102,846,000 | 102,494,000 | 99,736,000 |
| Total loans | 71,999,000 | 73,379,000 | 74,269,000 | 76,347,000 |
| Allowance for loan losses | 1,150,000 | 1,146,000 | 1,146,000 | 1,178,000 |
| Securities available for sale | 13,384,000 | 14,007,000 | 13,457,000 | 12,041,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,101,000 | 90,838,000 | 90,357,000 | 87,234,000 |
| Interest-bearing deposits | 56,861,000 | 55,728,000 | 64,489,000 | 53,467,000 |
| Noninterest-bearing deposits | 36,240,000 | 35,110,000 | 25,868,000 | 33,767,000 |
| Equity capital | 11,810,000 | 11,889,000 | 12,018,000 | 12,241,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 921,000 | 1,869,000 | 2,839,000 | 3,857,000 |
| Interest expense | 105,000 | 238,000 | 370,000 | 517,000 |
| Net interest income | 816,000 | 1,631,000 | 2,469,000 | 3,340,000 |
| Noninterest income | 148,000 | 296,000 | 466,000 | 626,000 |
| Noninterest expense | 724,000 | 1,445,000 | 2,167,000 | 2,889,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 240,000 | 482,000 | 768,000 | 1,077,000 |
| Income tax | 50,000 | 109,000 | 186,000 | 269,000 |
| Net income | 190,000 | 373,000 | 582,000 | 808,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,973,000 | 12,071,000 | 12,220,000 | 12,341,000 |
| Total capital | 12,938,000 | 13,044,000 | 13,205,000 | 13,337,000 |
| Risk-weighted assets | 76,985,000 | 77,581,000 | 78,610,000 | 79,490,000 |