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 | 148,754,000 | 153,774,000 | 156,659,000 | 167,165,000 |
| Total loans | 89,333,000 | 92,855,000 | 96,283,000 | 96,642,000 |
| Allowance for loan losses | 828,000 | 882,000 | 926,000 | 984,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 33,532,000 | 35,865,000 | 34,028,000 | 39,847,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,997,000 | 138,823,000 | 137,905,000 | 149,349,000 |
| Interest-bearing deposits | 124,732,000 | 128,736,000 | 128,659,000 | 138,926,000 |
| Noninterest-bearing deposits | 9,265,000 | 10,087,000 | 9,246,000 | 10,423,000 |
| Equity capital | 11,370,000 | 11,835,000 | 12,361,000 | 12,900,000 |
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 | 2,000,000 | 4,157,000 | 6,302,000 | 8,573,000 |
| Interest expense | 945,000 | 1,836,000 | 2,673,000 | 3,526,000 |
| Net interest income | 1,055,000 | 2,321,000 | 3,629,000 | 5,047,000 |
| Noninterest income | 163,000 | 323,000 | 496,000 | 675,000 |
| Noninterest expense | 583,000 | 1,214,000 | 1,810,000 | 2,557,000 |
| Provision for loan losses | 35,000 | 95,000 | 150,000 | 210,000 |
| Pretax income | 600,000 | 1,335,000 | 2,165,000 | 2,955,000 |
| Income tax | 223,000 | 493,000 | 797,000 | 1,048,000 |
| Net income | 377,000 | 842,000 | 1,368,000 | 1,907,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,370,000 | 11,835,000 | 12,361,000 | 12,900,000 |
| Total capital | 12,198,000 | 12,717,000 | 13,287,000 | 13,884,000 |
| Risk-weighted assets | 94,520,000 | 99,764,000 | 102,733,000 | 105,686,000 |