Call reports 2020
CITIZENS COMMUNITY BANK — 2020
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 110,844,000 | 114,358,000 | 116,630,000 | 121,969,000 |
| Total loans | 75,986,000 | 75,758,000 | 74,829,000 | 76,035,000 |
| Allowance for loan losses | 1,215,000 | 1,216,000 | 1,217,000 | 1,219,000 |
| Securities available for sale | 11,778,000 | 11,365,000 | 11,583,000 | 12,302,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,100,000 | 100,546,000 | 102,602,000 | 108,018,000 |
| Interest-bearing deposits | 59,158,000 | 60,043,000 | 72,319,000 | 59,648,000 |
| Noninterest-bearing deposits | 37,942,000 | 40,503,000 | 30,283,000 | 48,370,000 |
| Equity capital | 13,053,000 | 13,186,000 | 13,337,000 | 13,537,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,109,000 | 2,122,000 | 3,186,000 | 4,147,000 |
| Interest expense | 216,000 | 421,000 | 622,000 | 803,000 |
| Net interest income | 893,000 | 1,701,000 | 2,564,000 | 3,344,000 |
| Noninterest income | 162,000 | 323,000 | 501,000 | 690,000 |
| Noninterest expense | 800,000 | 1,506,000 | 2,219,000 | 2,944,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 255,000 | 518,000 | 846,000 | 1,090,000 |
| Income tax | 69,000 | 136,000 | 221,000 | 174,000 |
| Net income | 186,000 | 382,000 | 625,000 | 916,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,923,000 | 13,009,000 | 13,182,000 | 13,422,000 |