Call reports 2003
CITIZENS COMMUNITY BANK — 2003
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 91,035,000 | 91,948,000 | 92,059,000 | 95,673,000 |
| Total loans | 61,085,000 | 66,986,000 | 65,607,000 | 66,519,000 |
| Allowance for loan losses | 1,104,000 | 1,099,000 | 1,025,000 | 1,079,000 |
| Securities available for sale | 15,968,000 | 14,617,000 | 14,419,000 | 14,765,000 |
| Securities held to maturity | 601,000 | 543,000 | 518,000 | 489,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,030,000 | 78,598,000 | 78,373,000 | 82,264,000 |
| Interest-bearing deposits | 67,996,000 | 68,816,000 | 68,963,000 | 71,813,000 |
| Noninterest-bearing deposits | 9,034,000 | 9,782,000 | 9,410,000 | 10,451,000 |
| Equity capital | 11,663,000 | 11,458,000 | 11,849,000 | 11,590,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,501,000 | 2,968,000 | 4,445,000 | 5,952,000 |
| Interest expense | 425,000 | 825,000 | 1,165,000 | 1,475,000 |
| Net interest income | 1,076,000 | 2,143,000 | 3,280,000 | 4,477,000 |
| Noninterest income | 333,000 | 732,000 | 1,157,000 | 1,468,000 |
| Noninterest expense | 665,000 | 1,369,000 | 2,119,000 | 2,874,000 |
| Provision for loan losses | 55,000 | 133,000 | 205,000 | 264,000 |
| Pretax income | 678,000 | 1,362,000 | 2,102,000 | 2,796,000 |
| Income tax | 237,000 | 476,000 | 743,000 | 993,000 |
| Net income | 441,000 | 886,000 | 1,359,000 | 1,803,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,429,000 | 11,222,000 | 11,695,000 | 11,444,000 |
| Total capital | 12,293,000 | 12,132,000 | 12,604,000 | 12,399,000 |
| Risk-weighted assets | 68,914,000 | 72,626,000 | 72,607,000 | 76,540,000 |