Call reports 2002
CITIZENS COMMUNITY BANK — 2002
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 85,967,000 | 87,531,000 | 86,617,000 | 86,643,000 |
| Total loans | 60,066,000 | 61,108,000 | 62,614,000 | 61,255,000 |
| Allowance for loan losses | 942,000 | 974,000 | 1,024,000 | 1,071,000 |
| Securities available for sale | 14,677,000 | 14,313,000 | 15,533,000 | 14,950,000 |
| Securities held to maturity | 699,000 | 678,000 | 655,000 | 644,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,985,000 | 72,010,000 | 70,972,000 | 73,255,000 |
| Interest-bearing deposits | 63,209,000 | 63,445,000 | 62,424,000 | 64,522,000 |
| Noninterest-bearing deposits | 7,776,000 | 8,565,000 | 8,548,000 | 8,733,000 |
| Equity capital | 10,831,000 | 11,382,000 | 11,468,000 | 11,187,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,548,000 | 3,140,000 | 4,748,000 | 6,275,000 |
| Interest expense | 551,000 | 1,075,000 | 1,574,000 | 2,045,000 |
| Net interest income | 997,000 | 2,065,000 | 3,174,000 | 4,230,000 |
| Noninterest income | 236,000 | 446,000 | 689,000 | 1,035,000 |
| Noninterest expense | 561,000 | 1,113,000 | 1,719,000 | 2,427,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 627,000 | 1,342,000 | 2,097,000 | 2,746,000 |
| Income tax | 213,000 | 464,000 | 736,000 | 962,000 |
| Net income | 414,000 | 878,000 | 1,361,000 | 1,784,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,157,000 | 11,169,000 | 11,217,000 | 10,988,000 |
| Total capital | 10,988,000 | 12,012,000 | 12,068,000 | 11,835,000 |
| Risk-weighted assets | 66,332,000 | 67,306,000 | 67,932,000 | 67,514,000 |