Call reports 2024
CITIZENS COMMUNITY BANK — 2024
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 129,687,000 | 126,790,000 | 130,482,000 | 130,757,000 |
| Total loans | 85,934,000 | 87,482,000 | 87,968,000 | 89,073,000 |
| Allowance for loan losses | 1,210,000 | 1,209,000 | 1,184,000 | 1,180,000 |
| Securities available for sale | 21,534,000 | 21,979,000 | 22,463,000 | 21,374,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,969,000 | 109,950,000 | 112,925,000 | 115,804,000 |
| Interest-bearing deposits | 89,016,000 | 84,842,000 | 81,614,000 | 84,752,000 |
| Noninterest-bearing deposits | 23,953,000 | 25,108,000 | 31,311,000 | 31,052,000 |
| Equity capital | 13,804,000 | 13,975,000 | 14,555,000 | 14,650,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 1,519,000 | 3,056,000 | 4,715,000 | 6,398,000 |
| Interest expense | 511,000 | 1,109,000 | 1,766,000 | 2,386,000 |
| Net interest income | 1,008,000 | 1,947,000 | 2,949,000 | 4,012,000 |
| Noninterest income | 140,000 | 284,000 | 428,000 | 548,000 |
| Noninterest expense | 701,000 | 1,530,000 | 2,317,000 | 3,169,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 447,000 | 701,000 | 1,060,000 | 1,391,000 |
| Income tax | 95,000 | 148,000 | 229,000 | 291,000 |
| Net income | 352,000 | 553,000 | 831,000 | 1,100,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,212,000 | 15,231,000 | 15,314,000 | 15,492,000 |