Call reports 2022
CITIZENS COMMUNITY BANK — 2022
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 128,206,000 | 126,419,000 | 125,801,000 | 125,503,000 |
| Total loans | 74,688,000 | 81,432,000 | 84,165,000 | 86,298,000 |
| Allowance for loan losses | 1,225,000 | 1,224,000 | 1,226,000 | 1,205,000 |
| Securities available for sale | 21,912,000 | 21,446,000 | 21,263,000 | 21,468,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,746,000 | 113,112,000 | 112,614,000 | 112,077,000 |
| Interest-bearing deposits | 75,731,000 | 74,337,000 | 74,142,000 | 75,399,000 |
| Noninterest-bearing deposits | 39,015,000 | 38,775,000 | 38,472,000 | 36,678,000 |
| Equity capital | 13,101,000 | 12,944,000 | 12,675,000 | 13,080,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 951,000 | 1,934,000 | 3,078,000 | 4,276,000 |
| Interest expense | 108,000 | 218,000 | 340,000 | 540,000 |
| Net interest income | 843,000 | 1,716,000 | 2,738,000 | 3,736,000 |
| Noninterest income | 131,000 | 268,000 | 417,000 | 547,000 |
| Noninterest expense | 691,000 | 1,388,000 | 2,179,000 | 2,841,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 283,000 | 596,000 | 976,000 | 1,442,000 |
| Income tax | 55,000 | 123,000 | 217,000 | 364,000 |
| Net income | 228,000 | 473,000 | 759,000 | 1,078,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,461,000 | 14,699,000 | 15,018,000 | 15,209,000 |