Citizens community bancorp inc. (CZWI)
Income statement / TTM
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Mar'14Dec'13Sep'13Jun'13Mar'13Dec'12Sep'12Jun'12Mar'12Dec'11Sep'11Jun'11Mar'11Dec'10Jun'10
Interest and dividend income:
Interest and fees on loans

57,692

54,647

51,875

46,643

42,532

38,657

35,539

33,319

30,484

28,017

25,826

25,416

25,458

24,687

23,407

21,989

21,221

21,295

21,641

22,057

22,342

22,486

22,612

22,619

22,740

22,928

23,201

23,834

24,119

24,772

25,579

25,880

26,658

27,294

27,761

28,520

0

0

0

Interest on investments

5,921

5,776

5,449

4,820

4,365

3,874

3,357

2,985

2,671

2,325

2,052

1,886

1,697

1,671

1,677

1,632

1,547

1,423

1,363

1,322

1,386

1,424

1,421

1,442

1,324

1,360

1,374

1,472

1,584

1,540

1,506

1,420

1,476

1,654

2,003

2,427

0

0

0

Total interest and dividend income

63,613

60,423

57,324

51,463

46,897

42,531

38,896

36,304

33,155

30,342

27,878

27,302

27,155

26,358

25,084

23,621

22,768

22,718

23,004

23,379

23,728

23,910

24,033

24,061

24,064

24,288

24,575

25,306

25,703

26,312

27,085

27,300

28,134

28,948

29,764

30,947

0

0

0

Interest expense:
Interest on deposits

12,761

12,174

11,021

9,309

7,815

6,472

5,543

4,979

4,582

4,382

4,299

4,416

4,462

4,363

4,200

3,951

3,817

3,812

3,808

3,755

3,686

3,619

3,615

3,852

4,161

4,503

4,791

4,929

4,978

5,103

5,362

5,587

6,062

6,561

7,055

7,524

0

0

0

Interest on FHLB borrowed funds

2,568

2,721

2,695

2,379

1,878

1,531

1,310

1,204

956

805

717

668

671

672

664

650

631

628

630

650

670

672

660

615

558

503

521

790

852

1,072

1,229

1,195

1,455

1,581

1,858

2,265

0

0

0

Interest on other borrowed funds

2,162

2,015

1,830

1,650

1,682

1,712

1,740

1,586

1,247

917

594

404

344

242

143

0

0

0

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Total interest expense

17,491

16,910

15,546

13,338

11,375

9,715

8,593

7,769

6,785

6,104

5,610

5,488

5,477

5,277

5,007

4,648

4,448

4,440

4,438

4,405

4,356

4,291

4,275

4,467

4,719

5,006

5,312

5,719

5,830

6,175

6,591

6,782

7,517

8,142

8,913

9,789

0

0

0

Net interest income before provision for loan losses

46,122

43,513

41,778

38,125

35,522

32,816

30,303

28,535

26,370

24,238

22,268

21,814

21,678

21,081

20,077

18,973

18,320

18,278

18,566

18,974

19,372

19,619

19,758

19,594

19,345

19,282

19,263

19,587

19,873

20,137

20,494

20,518

20,617

20,806

20,851

21,158

0

0

0

Provision for loan losses

4,300

3,525

3,075

2,950

3,275

2,150

1,300

1,169

519

419

319

0

0

0

75

196

346

496

656

910

1,215

1,545

1,910

2,263

2,558

2,843

3,143

3,315

3,465

3,800

4,440

4,790

5,254

5,804

5,864

5,945

0

0

0

Net interest income after provision for loan losses

41,822

39,988

38,703

35,175

32,247

30,666

29,003

27,366

25,851

23,819

21,949

21,814

21,678

21,081

20,002

18,777

17,974

17,782

17,910

18,064

18,157

18,074

17,848

17,331

16,787

16,439

16,120

16,272

16,408

16,337

16,054

15,728

15,363

15,002

14,987

15,213

0

0

0

Non-interest income:
Service charges on deposit accounts

2,378

2,368

2,375

2,239

2,071

1,951

1,792

0

0

0

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Portion of loss (gain) recognized in other comprehensive loss (income) (before tax)

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

Net gains on sale of available for sale securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-166

-168

-149

-198

342

552

505

771

370

243

571

595

0

-

0

0

-

-

Service charges on deposit accounts

-

-

-

-

-

-

-

-

-

-

-

-

1,613

1,602

1,627

1,606

1,619

1,666

1,715

1,740

1,811

1,883

1,964

2,069

2,100

1,983

1,820

1,660

1,525

1,532

1,529

1,534

1,530

1,525

1,512

1,490

0

0

0

Interchange income

1,861

1,735

1,603

1,465

1,350

1,314

1,284

0

0

0

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Loan servicing income

2,805

2,674

2,412

2,066

1,769

1,561

1,379

0

0

0

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Gain on sale of loans

2,934

2,462

1,948

1,503

1,156

1,037

943

0

0

0

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Loan fees and service charges

1,494

1,145

1,133

826

681

640

521

0

0

0

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Insurance commissions

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

0

Loan fees and service charges

-

-

-

-

-

-

-

-

-

-

-

-

1,285

1,508

1,296

1,254

1,228

1,257

1,291

1,250

1,197

1,042

904

729

665

691

768

708

843

795

621

673

449

402

517

433

0

0

0

Insurance commission income

829

734

735

718

713

716

720

0

0

0

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net gains on investment securities

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Settlement proceeds

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Settlement proceeds

-

-

-

-

-

-

-

-

-

-

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net gains on sale of available for sale securities

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

0

0

0

-

0

0

0

-

-234

-409

-241

-245

-651

-552

-582

-1,089

-532

-168

69

89

-180

0

0

0

Total fair value adjustments and other-than-temporary impairment

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

491

424

250

1,412

-3,042

-2,146

-2,634

-461

3,469

2,514

2,199

1,177

0

0

0

0

Gains (losses) on available for sale securities

-

-

151

55

-

-17

-17

0

0

0

-

0

0

-

-

-

-

-

-

-

-

-

-

-

213

-333

615

-4,198

-3,469

-3,586

-1,793

2,488

0

0

-

0

-

-

-

Gain on sale of branch

-

-

0

0

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Other

1,340

1,291

1,065

918

836

755

748

557

510

457

509

737

896

1,006

929

890

851

848

847

845

837

814

794

771

747

734

708

688

660

637

611

576

555

524

499

369

0

0

0

Total non-interest income

16,246

14,975

13,717

12,085

8,614

7,957

7,370

6,772

5,996

5,447

4,751

4,502

4,524

4,208

3,915

3,797

3,715

3,829

3,913

3,876

3,866

3,574

3,416

3,335

3,103

3,167

3,051

2,405

2,476

2,382

1,672

2,202

2,342

2,520

2,617

0

0

0

0

Non-interest expense:
Compensation and related benefits

21,054

20,325

19,551

18,034

17,270

16,370

14,979

14,434

12,989

11,813

10,862

10,711

10,694

10,252

9,866

8,903

8,720

8,710

8,667

8,539

8,779

8,976

9,070

9,458

9,282

9,142

9,068

8,633

8,569

8,546

8,502

8,668

8,601

8,482

8,348

8,222

0

0

0

Occupancy

3,749

3,697

3,533

3,404

3,271

3,078

2,975

2,783

2,615

2,417

2,780

3,187

3,176

3,325

2,826

2,634

2,669

2,621

2,872

2,823

2,845

2,816

2,631

2,510

2,525

2,518

2,493

2,485

2,469

2,457

2,453

2,463

2,459

2,509

2,546

2,553

0

0

0

Office

2,209

2,188

2,113

1,982

1,871

1,775

1,749

1,588

1,475

1,361

1,204

1,258

1,304

1,254

1,225

1,144

1,111

1,101

1,105

1,222

1,347

1,374

1,499

1,246

1,154

1,307

1,223

1,396

1,343

1,214

1,191

1,194

1,208

1,239

1,339

1,382

0

0

0

Data processing

3,947

3,938

3,940

3,619

3,471

3,217

2,928

2,807

2,563

2,284

2,052

1,930

1,899

1,865

1,802

1,687

1,635

1,610

1,590

1,583

1,570

1,556

1,531

1,546

1,609

1,637

1,657

1,620

1,561

1,532

1,499

1,469

1,335

1,146

960

665

0

0

0

Amortization of intangible assets

1,581

1,496

1,410

1,159

974

808

645

584

461

338

219

164

157

140

111

80

64

57

57

58

57

57

57

55

56

56

56

72

71

140

209

264

0

0

-

0

-

-

-

Mortgage servicing rights expense

0

-

0

0

0

-

0

0

0

-

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Servicing Asset at Amortized Cost, Amortization

-

-

-

-

-

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Amortization of core deposit

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

Advertising, marketing and public relations

1,250

1,214

1,200

1,150

879

822

745

782

672

631

545

488

587

627

701

705

657

698

659

213

182

65

43

342

291

268

233

180

177

178

190

169

154

127

122

147

0

0

0

FDIC premium assessment

232

258

462

505

453

474

472

420

405

359

300

370

377

392

394

339

351

371

390

402

408

408

409

417

379

452

522

593

702

688

693

606

710

820

910

1,047

0

0

0

Professional services

2,236

2,457

3,079

3,095

3,255

2,753

2,323

2,606

2,253

2,365

2,078

1,797

1,748

1,597

1,368

836

754

740

887

0

0

0

-

523

911

559

707

685

818

1,241

1,187

1,451

1,384

1,379

1,354

1,194

0

0

0

Gain on repossessed assets, net

156

125

173

86

-454

-491

-534

0

0

0

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Other

5,768

6,130

5,940

3,102

2,773

2,207

2,079

3,230

3,091

2,886

2,767

1,804

1,941

1,884

1,765

1,133

1,054

1,118

1,176

1,352

1,550

1,601

2,003

2,242

1,993

1,939

1,530

1,282

1,269

1,247

1,435

1,514

1,514

1,451

1,363

1,529

0

0

0

Total non-interest expense

43,523

42,686

42,052

36,721

35,206

32,415

29,764

30,029

26,774

24,628

22,878

21,698

21,883

21,336

20,058

17,461

17,015

17,026

17,403

16,737

16,877

16,935

17,224

18,339

18,200

17,878

17,489

16,946

16,979

17,243

17,359

17,796

17,697

17,485

17,274

17,073

0

0

0

Income before provision for income tax

14,545

12,277

10,368

10,539

5,655

6,208

6,609

4,109

5,073

4,638

3,822

4,618

4,319

3,953

3,859

5,113

4,674

4,585

4,420

5,203

5,146

4,713

4,040

2,327

1,690

1,728

1,682

1,731

1,905

1,476

367

134

8

37

330

340

0

0

0

Provision for income taxes

3,429

2,814

2,813

3,119

1,839

2,004

2,326

1,383

1,767

1,739

1,323

1,485

1,394

1,287

1,286

1,833

1,657

1,647

1,614

1,953

1,950

1,792

1,531

857

612

638

635

678

758

596

161

46

4

19

137

161

0

0

0

Net income attributable to common stockholders

11,116

9,463

7,555

7,420

3,816

4,204

4,283

2,726

3,306

2,899

2,499

3,133

2,925

2,666

2,573

3,280

3,017

2,938

2,806

3,250

3,196

2,921

2,509

1,470

1,078

1,090

1,047

1,053

1,147

880

206

88

4

18

193

179

0

0

0

Per share information:
Basic earnings (in dollars per share)

0.23

0.28

0.11

0.37

0.09

0.12

0.18

0.09

0.23

0.23

-0.10

0.21

0.18

0.18

0.04

0.16

0.13

0.16

0.17

0.12

0.11

0.14

0.26

0.11

0.06

0.06

0.06

0.03

0.06

0.05

0.06

0.05

0.01

-0.08

0.04

0.03

0.02

-0.05

0.03

Diluted earnings (in dollars per share)

0.23

0.28

0.11

0.37

0.09

0.12

0.10

0.08

0.23

0.23

-0.09

0.20

0.17

0.18

0.04

0.16

0.13

0.16

0.17

0.12

0.11

0.14

0.25

0.11

0.06

0.06

0.06

0.03

0.06

0.05

0.06

0.05

0.01

-0.08

0.04

0.03

0.02

-0.05

0.03

Cash dividends paid (in dollars per share)

0.21

0.00

0.00

0.00

0.20

0.00

0.00

0.00

0.20

0.00

0.00

0.00

0.16

0.00

0.00

0.00

0.12

0.00

0.00

0.00

0.08

0.00

0.00

0.00

0.04

0.00

0.00

0.00

0.02

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00