Call reports 2019
CITIZENS COMMUNITY BANK — 2019
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 103,060,000 | 101,632,000 | 104,301,000 | 106,472,000 |
| Total loans | 76,394,000 | 79,858,000 | 79,953,000 | 78,362,000 |
| Allowance for loan losses | 1,181,000 | 1,180,000 | 1,182,000 | 1,213,000 |
| Securities available for sale | 10,761,000 | 10,330,000 | 10,334,000 | 10,083,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,387,000 | 88,699,000 | 91,177,000 | 92,991,000 |
| Interest-bearing deposits | 65,303,000 | 65,950,000 | 56,331,000 | 67,995,000 |
| Noninterest-bearing deposits | 25,084,000 | 22,749,000 | 34,846,000 | 24,996,000 |
| Equity capital | 12,385,000 | 12,559,000 | 12,721,000 | 12,909,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,018,000 | 2,085,000 | 3,207,000 | 4,378,000 |
| Interest expense | 171,000 | 360,000 | 564,000 | 773,000 |
| Net interest income | 847,000 | 1,725,000 | 2,643,000 | 3,605,000 |
| Noninterest income | 141,000 | 290,000 | 459,000 | 612,000 |
| Noninterest expense | 738,000 | 1,482,000 | 2,227,000 | 2,966,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 250,000 | 533,000 | 875,000 | 1,251,000 |
| Income tax | 65,000 | 169,000 | 263,000 | 360,000 |
| Net income | 185,000 | 364,000 | 612,000 | 891,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,411,000 | 12,522,000 | 12,669,000 | 12,853,000 |
| Total capital | 13,413,000 | 13,561,000 | 13,725,000 | 13,902,000 |
| Risk-weighted assets | 80,018,000 | 83,010,000 | 84,317,000 | 83,729,000 |