Call reports 2004
CITIZENS COMMUNITY BANK — 2004
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 109,222,000 | 106,056,000 | 107,001,000 | 107,015,000 |
| Total loans | 69,439,000 | 70,714,000 | 76,173,000 | 76,693,000 |
| Allowance for loan losses | 1,129,000 | 1,170,000 | 1,202,000 | 1,230,000 |
| Securities available for sale | 18,106,000 | 17,797,000 | 17,938,000 | 18,293,000 |
| Securities held to maturity | 290,000 | 275,000 | 83,000 | 77,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,050,000 | 92,387,000 | 92,332,000 | 90,661,000 |
| Interest-bearing deposits | 84,748,000 | 81,298,000 | 81,010,000 | 79,388,000 |
| Noninterest-bearing deposits | 10,302,000 | 11,089,000 | 11,322,000 | 11,273,000 |
| Equity capital | 12,126,000 | 11,777,000 | 12,617,000 | 12,440,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,627,000 | 3,342,000 | 5,142,000 | 6,918,000 |
| Interest expense | 336,000 | 676,000 | 1,025,000 | 1,392,000 |
| Net interest income | 1,291,000 | 2,666,000 | 4,117,000 | 5,526,000 |
| Noninterest income | 208,000 | 406,000 | 711,000 | 1,090,000 |
| Noninterest expense | 671,000 | 1,348,000 | 2,007,000 | 2,815,000 |
| Provision for loan losses | 30,000 | 75,000 | 120,000 | 165,000 |
| Pretax income | 798,000 | 1,649,000 | 2,701,000 | 3,636,000 |
| Income tax | 289,000 | 597,000 | 982,000 | 1,323,000 |
| Net income | 509,000 | 1,052,000 | 1,719,000 | 2,313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,953,000 | 11,844,000 | 12,510,000 | 12,365,000 |
| Total capital | 12,928,000 | 12,932,000 | 13,539,000 | 13,408,000 |
| Risk-weighted assets | 77,829,000 | 86,902,000 | 82,142,000 | 83,232,000 |