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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 10-Q  
(Mark One)
QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
For the quarterly period ended March 31, 2023
OR
TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
For the transition period from             to            
Commission file number 001-33003
CITIZENS COMMUNITY BANCORP, INC.
(Exact name of registrant as specified in its charter)
Maryland 20-5120010
(State or other jurisdiction of
incorporation or organization)
 (IRS Employer
Identification Number)

2174 EastRidge Center
Eau Claire, WI 54701
(Address and Zip Code of principal executive offices)

715-836-9994
(Registrant’s telephone number, including area code)

Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading Symbol(s)Name of each exchange on which registered
Common Stock, $.01 par value per shareCZWINASDAQ Global Market

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.    Yes      No  





Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).    Yes      No  
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company or an emerging growth company. See the definitions of “large accelerated filer”, “accelerated filer”, “smaller reporting company” and “emerging growth company” in Rule 12b-2 of the Exchange Act:
Large accelerated filer
Accelerated filer
Non-accelerated filerSmaller reporting company  
Emerging growth company
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).    Yes   No  

APPLICABLE ONLY TO CORPORATE ISSUERS
Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date:
At May 4, 2023 there were 10,484,321 shares of the registrant’s common stock, par value $0.01 per share, outstanding.



CITIZENS COMMUNITY BANCORP, INC.
FORM 10-Q
March 31, 2023
INDEX
  Page Number
Item 1.
Item 2.
Item 3.
Item 4.
Item 1.
Item 1A.
Item 2.
Item 3.
Item 4.
Item 5.
Item 6.
 
3


PART 1 – FINANCIAL INFORMATION

ITEM 1.FINANCIAL STATEMENTS
4


CITIZENS COMMUNITY BANCORP, INC.
Consolidated Balance Sheets
March 31, 2023 (unaudited) and December 31, 2022
(derived from audited financial statements)
(in thousands, except share and per share data)
March 31, 2023December 31, 2022
Assets
Cash and cash equivalents$65,050 $35,363 
Other interest bearing deposits249 249 
Securities available for sale "AFS"173,423 165,991 
Securities held to maturity "HTM"95,301 96,379 
Equity investments2,151 1,794 
Other investments17,428 15,834 
Loans receivable1,420,955 1,411,784 
Allowance for credit losses(22,679)(17,939)
Loans receivable, net1,398,276 1,393,845 
Loans held for sale761  
Mortgage servicing rights, net4,120 4,262 
Office properties and equipment, net20,197 20,493 
Accrued interest receivable5,550 5,285 
Intangible assets2,245 2,449 
Goodwill31,498 31,498 
Foreclosed and repossessed assets, net1,113 1,271 
Bank owned life insurance ("BOLI")25,118 24,954 
Other assets18,240 16,719 
TOTAL ASSETS$1,860,720 $1,816,386 
Liabilities and Stockholders’ Equity
Liabilities:
Deposits$1,436,793 $1,424,720 
Federal Home Loan Bank (“FHLB”) and Federal Reserve Bank (“FRB”) advances182,530 142,530 
Other borrowings67,300 72,409 
Other liabilities9,536 9,639 
Total liabilities1,696,159 1,649,298 
Stockholders’ Equity:
Common stock—$0.01 par value, authorized 30,000,000; 10,482,821 and 10,425,119 shares issued and outstanding, respectively
105 104 
Additional paid-in capital119,327 119,240 
Retained earnings61,720 65,400 
Accumulated other comprehensive loss(16,591)(17,656)
Total stockholders’ equity164,561 167,088 
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY$1,860,720 $1,816,386 
See accompanying condensed notes to unaudited consolidated financial statements.
5


CITIZENS COMMUNITY BANCORP, INC.
Consolidated Statements of Operations (unaudited)
Three Months Ended March 31, 2023 and 2022
(in thousands, except per share data)
 Three Months Ended
March 31, 2023March 31, 2022
Interest and dividend income:
Interest and fees on loans$17,126 $13,767 
Interest on investments2,547 1,609 
Total interest and dividend income19,673 15,376 
Interest expense:
Interest on deposits4,348 1,068 
Interest on FHLB and FRB borrowed funds1,493 311 
Interest on other borrowed funds1,037 830 
Total interest expense6,878 2,209 
Net interest income before provision for credit losses12,795 13,167 
Provision for credit losses50  
Net interest income after provision for credit losses12,745 13,167 
Non-interest income:
Service charges on deposit accounts485 488 
Interchange income551 549 
Loan servicing income569 701 
Gain on sale of loans298 722 
Loan fees and service charges80 92 
Net gains on investment securities56 (37)
Other253 198 
Total non-interest income2,292 2,713 
Non-interest expense:
Compensation and related benefits5,338 5,398 
Occupancy1,423 1,365 
Data processing1,460 1,301 
Amortization of intangible assets204 399 
Mortgage servicing rights expense, net158 (327)
Advertising, marketing and public relations136 212 
FDIC premium assessment201 115 
Professional services505 402 
Gain on repossessed assets, net(29)(7)
New market tax credit depletion 163 
Other725 647 
Total non-interest expense10,121 9,668 
Income before provision for income taxes4,916 6,212 
Provision for income taxes1,254 1,506 
Net income attributable to common stockholders$3,662 $4,706 
Per share information:
Basic earnings$0.35 $0.45 
Diluted earnings$0.35 $0.45 
Cash dividends paid$0.29 $0.26 
See accompanying condensed notes to unaudited consolidated financial statements.
6


CITIZENS COMMUNITY BANCORP, INC.
Consolidated Statements of Comprehensive Income (Loss) (unaudited)
Three months ended March 31, 2023 and 2022
(in thousands)
 Three Months Ended
 March 31, 2023March 31, 2022
Net income attributable to common stockholders$3,662 $4,706 
Other comprehensive gain (loss), net of tax:
Securities available for sale
Net unrealized gains (losses) arising during period, net of tax1,065 (7,123)
Other comprehensive gain (loss), net of tax1,065 (7,123)
Comprehensive income (loss)$4,727 $(2,417)
See accompanying condensed notes to unaudited consolidated financial statements.
 

7


CITIZENS COMMUNITY BANCORP, INC.
Consolidated Statement of Changes in Stockholders’ Equity (unaudited)
Three Months Ended March 31, 2023
(in thousands, except shares and per share data)
Additional Paid-In CapitalRetained EarningsAccumulated Other Comprehensive Income (loss)Total Stockholders’ Equity
 Common Stock
 SharesAmount
Balance, January 1, 202310,425,119 $104 $119,240 $65,400 $(17,656)$167,088 
Net income— — — 3,662 — 3,662 
Other comprehensive income, net of tax— — — — 1,065 1,065 
Forfeiture of unvested shares(1,168)— — — — — 
Surrender of restricted shares of common stock(10,287)— (129)— — (129)
Restricted common stock awarded under the equity incentive plan50,606 1 — — — 1 
Restricted common stock issued upon achievement of the 2020 performance criteria18,551 — — — — — 
Amortization of restricted stock— — 216 — — 216 
Cumulative change in accounting principle for adoption of ASU 2016-13— — — (4,432)— (4,432)
Cumulative change in accounting principle for adoption of ASU 2023-02— — — 130 — 130 
Cash dividends ($0.29 per share)
— — — (3,040)— (3,040)
Balance at March 31, 202310,482,821$105 $119,327 $61,720 $(16,591)$164,561 
See accompanying condensed notes to unaudited consolidated financial statements.
 

8


CITIZENS COMMUNITY BANCORP, INC.
Consolidated Statement of Changes in Stockholders’ Equity (unaudited)
Twelve Months Ended December 31, 2022
(in thousands, except shares and per share data)
Additional Paid-In CapitalRetained EarningsAccumulated Other Comprehensive Income (Loss)Total Stockholders’ Equity
 Common Stock
 SharesAmount
Balance, January 1, 202210,502,442 $105 $119,925 $50,675 $161 $170,866 
Net income— — — 4,706 — 4,706 
Other comprehensive loss, net of tax— — — — (7,123)(7,123)
Surrender of restricted shares of common stock(10,119)— (141)— — (141)
Restricted common stock awarded under the equity incentive plan38,586 — — — — — 
Restricted stock issued upon achievement of the 2019 performance criteria11,834 — — — — — 
Common stock options exercised2,500 — 20 — — 20 
Common stock repurchased(18,462)— (211)(77)— (288)
Stock option expense— — 1 — — 1 
Amortization of restricted stock— — 195 — — 195 
Cash dividends ($0.26 per share)
— — — (2,742)— (2,742)
Balance at March 31, 202210,526,781105 119,789 52,562 (6,962)165,494 
Net income— — — 4,366 — 4,366 
Other comprehensive loss, net of tax— — — — (5,315)(5,315)
Forfeiture of unvested shares(866)— — — — — 
Common stock awarded under the equity incentive plan4,500 — — — — — 
Stock option expense— — 1 — — 1 
Amortization of restricted stock— — 197 — — 197 
Balance at June 30, 202210,530,415105 119,987 56,928 (12,277)164,743 
Net income— — — 3,993 — 3,993 
Other comprehensive loss, net of tax— — — — (4,980)(4,980)
Forfeiture of unvested shares(1,260)— — — — — 
Surrender of restricted shares of common stock(120)— (2)— — (2)
Restricted common stock awarded under the equity incentive plan2,136 — — — — — 
Common stock repurchased(52,961) (603)(88)— (691)
Stock option expense— — 1 — — 1 
Amortization of restricted stock— — 255 — — 255 
Balance, September 30, 202210,478,210 105 119,638 60,833 (17,257)163,319 
Net income— — — 4,696 — 4,696 
Other comprehensive loss, net of tax— — — — (399)(399)
Forfeiture of unvested shares(500)— — — — — 
Surrender of restricted shares of common stock(491)— (7)— — (7)
Common stock options exercised5,400  51 — — 51 
Common stock repurchased(57,500)(1)(655)(129)— (785)
Amortization of restricted stock— — 213 — — 213 
Balance, December 31, 202210,425,119 $104 $119,240 $65,400 $(17,656)$167,088 
See accompanying condensed notes to unaudited consolidated financial statements.
 

9


CITIZENS COMMUNITY BANCORP, INC.
Consolidated Statements of Cash Flows (unaudited)
Three Months Ended March 31, 2023 and 2022
(in thousands)
Three Months Ended
March 31, 2023March 31, 2022
Cash flows from operating activities:
Net income attributable to common stockholders$3,662 $4,706 
Adjustments to reconcile net income to net cash provided by operating activities:
Investment securities net (discount accretion) premium amortization(30)33 
Depreciation expense606 573 
Provision for credit losses50