Call reports 2023
CITIZENS COMMUNITY BANK — 2023
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 123,768,000 | 127,085,000 | 127,895,000 | 126,977,000 |
| Total loans | 84,585,000 | 85,092,000 | 85,895,000 | 87,553,000 |
| Allowance for loan losses | 1,211,000 | 1,212,000 | 1,211,000 | 1,210,000 |
| Securities available for sale | 20,782,000 | 21,126,000 | 21,085,000 | 21,632,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,745,000 | 113,318,000 | 113,817,000 | 112,297,000 |
| Interest-bearing deposits | 74,696,000 | 76,878,000 | 77,928,000 | 77,125,000 |
| Noninterest-bearing deposits | 35,049,000 | 36,440,000 | 35,889,000 | 35,172,000 |
| Equity capital | 13,437,000 | 13,487,000 | 13,691,000 | 14,423,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,249,000 | 2,609,000 | 4,091,000 | 5,587,000 |
| Interest expense | 267,000 | 612,000 | 1,022,000 | 1,468,000 |
| Net interest income | 982,000 | 1,997,000 | 3,069,000 | 4,119,000 |
| Noninterest income | 132,000 | 281,000 | 414,000 | 558,000 |
| Noninterest expense | 812,000 | 1,616,000 | 2,390,000 | 3,068,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 302,000 | 662,000 | 1,093,000 | 1,609,000 |
| Income tax | 75,000 | 170,000 | 272,000 | 357,000 |
| Net income | 227,000 | 492,000 | 821,000 | 1,252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,484,000 | 15,433,000 | 15,668,000 | 15,843,000 |