Call reports 2005
CITIZENS COMMUNITY BANK — 2005
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 114,434,000 | 113,834,000 | 120,198,000 | 122,791,000 |
| Total loans | 78,095,000 | 81,786,000 | 85,085,000 | 90,433,000 |
| Allowance for loan losses | 1,251,000 | 1,245,000 | 1,264,000 | 1,278,000 |
| Securities available for sale | 19,052,000 | 18,119,000 | 17,252,000 | 16,849,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,352,000 | 94,963,000 | 100,644,000 | 103,554,000 |
| Interest-bearing deposits | 84,100,000 | 82,229,000 | 86,334,000 | 89,172,000 |
| Noninterest-bearing deposits | 11,252,000 | 12,734,000 | 14,310,000 | 14,382,000 |
| Equity capital | 12,835,000 | 12,764,000 | 13,254,000 | 12,998,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,875,000 | 3,802,000 | 5,816,000 | 8,026,000 |
| Interest expense | 464,000 | 1,007,000 | 1,636,000 | 2,350,000 |
| Net interest income | 1,411,000 | 2,795,000 | 4,180,000 | 5,676,000 |
| Noninterest income | 176,000 | 344,000 | 541,000 | 823,000 |
| Noninterest expense | 719,000 | 1,452,000 | 2,176,000 | 3,020,000 |
| Provision for loan losses | 45,000 | 45,000 | 68,000 | 90,000 |
| Pretax income | 826,000 | 1,645,000 | 2,480,000 | 3,392,000 |
| Income tax | 297,000 | 591,000 | 890,000 | 1,185,000 |
| Net income | 529,000 | 1,054,000 | 1,590,000 | 2,207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,894,000 | 12,769,000 | 13,304,000 | 13,136,000 |
| Total capital | 13,982,000 | 13,885,000 | 14,466,000 | 14,354,000 |
| Risk-weighted assets | 86,892,000 | 89,307,000 | 92,889,000 | 97,365,000 |