Citizens Community Federal in Eau Claire, Wisconsin (WI), MN, MI
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Citizens Community Federal in Eau Claire, Wisconsin (WI), MN, MI
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Citizens Community Federal - Overview

  • General
  • FDIC Certificate #: 57265
    Status: Active
    Federal Reserve ID: 962890
    Date Established: December 10, 2001
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 28 (Domestic: 28, Interstate: Yes)
    OTS Docket #: 17873
    FDIC's unique #: 360330
    Numeric code: 33
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: December 10, 2001
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 2174 Eastridge Center, Eau Claire, WI 54701
    County: Eau Claire
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Eau Claire
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Eau Claire, WI (#2290)
    Combined Statistical Area (CSA): Eau Claire-Menomonie, WI (#232)
    Core Based Statistical Area (CBSA): Eau Claire, WI (#20740)
    CBSA Metro Statistical Area: Eau Claire, WI (#20740)
  • History of Changes
  • Corrections
    Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $530.8 mil
    Equity capital: $52.2 mil
    Deposits held in domestic offices: $444.7 mil
    Return on assets (ROA): 0.04% ($0.2 mil)
    Quarterly return on assets: -0.28% (-$1.5 mil)
    Return on Equity (ROE): 0.41% ($0.2 mil)
    Quarterly return on equity: -2.83% (-$1.5 mil)
    Net income: $0.2 mil
    Quarterly Net income: -$0.4 mil
    Pretax return on assets: 0.07% ($371.6 mil)
    Quarterly Pretax return on assets: -0.45% (-$2,388.6 mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 208Total employees (full-time equivalent)
  • $530,805Total assets
  • $28,881Cash and due from depository institutions
  • $20,628Interest-bearing balances
  • $54,005Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $425,154Net loans & leases
  • $5,536Loan loss allowance
  • $0Trading account assets
  • $5,979Bank premises and fixed assets
  • $724Other real estate owned
  • $400Goodwill and other intangibles
  • $530,805Life insurance assets
  • $15,662All other assets
  • $478,589Total liabilities and capital
  • $444,664Total liabilities
  • $426,776Total deposits
  • $444,664Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $29,600Trading liabilities
  • $0Other borrowed funds
  • $4,325Subordinated debt
  • $52,216All other liabilities
  • $52,216Total equity capital
  • $52,216Total bank equity capital
  • $0Perpetual preferred stock
  • $37Common stock
  • $48,360Surplus
  • $3,819Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,242Income earned, not collected on loans
  • $0Earning assets
  • $1,591Long-term assets (5+ years)
  • $499,787Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $556,280Volatile liabilities
  • $533,681Insider loans
  • $395,257FHLB advances
  • $532,280Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $53,900Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,989Restructured Loans and leases
  • $25Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $29,581Total interest income
  • $8,142Total interest expense
  • $21,439Net interest income
  • $5,805Provision for loan and lease losses
  • $2,338Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,338Additional noninterest income
  • $17,154Total noninterest expense
  • $8,482Salaries and employee benefits
  • $3,585Premises and equipment expense
  • $5,087Additional noninterest expense
  • $818Pre-tax net operating income
  • -$447Securities gains (losses)
  • $156Applicable income taxes
  • $215Income before extraordinary items
  • $0Extraordinary gains - net
  • $215Net income attributable to bank
  • $0Net charge-offs
  • $215Cash dividends
  • $4,046Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.64%Yield on earning assets
  • 1.55%Cost of funding earning assets
  • 4.09%Net interest margin
  • 0.45%Noninterest income to earning assets
  • 3.27%Noninterest expense to earning assets
  • 0.09%Net operating income to assets
  • 0.04%Return on assets (ROA)
  • 0.07%Pretax return on assets
  • 0.41%Return on equity (ROE)
  • 0.41%Retained earnings to average equity (YTD only)
  • 0.93%Net charge-offs to loans
  • 143.48%Credit loss provision to net charge-offs
  • 1.64%Efficiency ratio
  • 70,749Assets per employee
  • 2.55%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.29%Loss allowance to noncurrent loans
  • 130.50%Noncurrent assets plus other real estate owned to assets
  • 0.94%Noncurrent loans to loans
  • 0.98%Net loans and leases to deposits
  • 95.61%Net loans and leases to core deposits
  • 99.20%Equity capital to assets
  • 9.84%Core capital (leverage) ratio
  • 10.13%Tier 1 risk-based capital ratio
  • 13.64%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $556,280Average earning assets
  • $51,992Average equity
  • $524,432Average loans

List of branches

  • 4 Michigan Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    380570Rochester Hills Branch310 Tienken Road, Rochester Hills, MI 48306March 12, 1954Full Service Brick and Mortar
    4290918Lake Orion Branch688 S Lapeer Rd., Lake Orion, MI 48362Febuary 04, 1992Full Service Brick and Mortar
    5362675Lake Orion High School Branch495 East Scripps Road, Lake Orion, MI 48362January 15, 1997Limited Service Mobile
    6362676Rochester Adams High School Branch3200 Tienken Rd., Rochester Hills, MI 48306January 15, 1997Limited Service Mobile
  • 8 Minnesota Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    2190436Mankato Branch1901 Madison Ave E Suite 410, Mankato, MN 56001January 02, 1996Full Service Brick and Mortar
    8492574Red Wing Branch295 Tyler Road S, Red Wing, MN 55066March 03, 2008Full Service Retail
    18495203Hutchinson1300 Trunk Hwy 15 S, Hutchinson, MN 55350October 06, 2008Full Service Retail
    19495204Faribault150 Western Ave, Faribault, MN 55021September 08, 2008Full Service Retail
    27495213Oakdale Branch7035 10th Street N, Oakdale, MN 55128October 01, 2004Full Service Brick and Mortar
    28495214Brooklyn Park8000 Lakeland Ave, Brooklyn Park, MN 55445July 30, 2008Full Service Retail
    29495215Winona Branch955 Frontenac Drive, Winona, MN 55987November 30, 2008Full Service Retail
    31522126Oak Park Heights Branch5815 Norell Ave N, Oak Park Heights, MN 55082July 13, 2009Full Service Retail
  • 16 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0360330Citizens Community Federal2174 Eastridge Center, Eau Claire, WI 54701December 10, 2001Full Service Brick and Mortar
    1251260Chippewa Falls Branch2786 Commercial Blvd, Chippewa Falls, WI 54729June 13, 1990Full Service Retail
    9429751Fond Du Lac Bank Branch377 North Rollling Meadows Drive, Fond Du Lac, WI 54936May 26, 2004Full Service Retail
    10438918Appleton Branch3701 E. Calumet Street, Appleton, WI 54915September 29, 2004Full Service Retail
    11438919Oshkosh Branch351 S. Washburn Street, Oshkosh, WI 54904October 25, 2004Full Service Retail
    14495199Gordys3310 E Hamilton Ave, Eau Claire, WI 54701December 11, 2001Full Service Retail
    15495200Neenah1155 Winneconne Ave, Neenah, WI 54956April 22, 2009Full Service Retail
    16495201Shawano1244 E Green Bay St, Shawano, WI 54166June 10, 2009Full Service Retail
    17495202Wisconsin Dells130 Commerce Street, Wisconsin Dells, WI 53965August 04, 2008Full Service Retail
    20495205Menomonie180 Cedar Falls Rd, Menomonie, WI 54751March 04, 2009Full Service Retail
    21495206Cameron Branch2125 Cameron St, Eau Claire, WI 54703December 11, 2001Full Service Brick and Mortar
    22495208Rice Lake2501 West Ave, Rice Lake, WI 54868May 01, 2002Full Service Retail
    24495210Wisconsin Rapids4331 8th St S, Wisconsin Rapids, WI 54494May 27, 2009Full Service Retail
    25495211Black River Falls Branch611 Hwy 54 East, Black River Falls, WI 54615May 27, 2009Full Service Retail
    26495212Mondovi Branch695 E Main Street, Mondovi, WI 54755December 11, 2001Full Service Brick and Mortar
    30522125Plover Branch250 Crossroads Drive, Plover, WI 54467July 27, 2009Full Service Retail

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