Call reports 2001
CITIZENS COMMUNITY BANK — 2001
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 78,843,000 | 81,013,000 | 84,050,000 | 84,255,000 |
| Total loans | 57,032,000 | 56,351,000 | 58,426,000 | 57,565,000 |
| Allowance for loan losses | 896,000 | 942,000 | 924,000 | 901,000 |
| Securities available for sale | 11,406,000 | 10,773,000 | 13,039,000 | 14,072,000 |
| Securities held to maturity | 1,066,000 | 818,000 | 780,000 | 722,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,990,000 | 66,847,000 | 69,445,000 | 69,680,000 |
| Interest-bearing deposits | 57,750,000 | 59,087,000 | 61,413,000 | 61,403,000 |
| Noninterest-bearing deposits | 7,240,000 | 7,760,000 | 8,032,000 | 8,277,000 |
| Equity capital | 9,541,000 | 9,947,000 | 10,356,000 | 10,395,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,710,000 | 3,364,000 | 5,045,000 | 6,632,000 |
| Interest expense | 822,000 | 1,628,000 | 2,393,000 | 3,026,000 |
| Net interest income | 888,000 | 1,736,000 | 2,652,000 | 3,606,000 |
| Noninterest income | 195,000 | 417,000 | 624,000 | 872,000 |
| Noninterest expense | 486,000 | 987,000 | 1,524,000 | 2,154,000 |
| Provision for loan losses | 36,000 | 48,000 | 93,000 | 138,000 |
| Pretax income | 569,000 | 1,126,000 | 1,724,000 | 2,253,000 |
| Income tax | 195,000 | 387,000 | 595,000 | 462,000 |
| Net income | 374,000 | 739,000 | 1,129,000 | 1,791,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,095,000 | 9,485,000 | 9,887,000 | 9,921,000 |
| Total capital | 9,847,000 | 10,243,000 | 10,684,000 | 10,718,000 |
| Risk-weighted assets | 60,020,000 | 60,429,000 | 63,619,000 | 64,021,000 |