Call reports 2021
CITIZENS COMMUNITY BANK — 2021
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 124,789,000 | 123,915,000 | 125,267,000 | 122,829,000 |
| Total loans | 73,689,000 | 72,313,000 | 73,397,000 | 74,515,000 |
| Allowance for loan losses | 1,221,000 | 1,223,000 | 1,226,000 | 1,224,000 |
| Securities available for sale | 14,459,000 | 16,581,000 | 17,364,000 | 20,358,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,571,000 | 109,682,000 | 111,059,000 | 108,802,000 |
| Interest-bearing deposits | 73,596,000 | 73,859,000 | 73,431,000 | 70,476,000 |
| Noninterest-bearing deposits | 36,975,000 | 35,823,000 | 37,628,000 | 38,326,000 |
| Equity capital | 13,729,000 | 13,800,000 | 13,758,000 | 13,710,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,196,000 | 2,168,000 | 3,086,000 | 3,999,000 |
| Interest expense | 155,000 | 294,000 | 424,000 | 540,000 |
| Net interest income | 1,041,000 | 1,874,000 | 2,662,000 | 3,459,000 |
| Noninterest income | 137,000 | 282,000 | 450,000 | 589,000 |
| Noninterest expense | 714,000 | 1,462,000 | 2,352,000 | 3,087,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 464,000 | 694,000 | 760,000 | 961,000 |
| Income tax | 87,000 | 136,000 | 146,000 | 149,000 |
| Net income | 377,000 | 558,000 | 614,000 | 812,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,747,000 | 13,842,000 | 13,811,000 | 14,010,000 |