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 | 175,197,000 | 180,728,000 | 184,447,000 | 189,995,000 |
| Total loans | 98,513,000 | 100,362,000 | 103,672,000 | 107,399,000 |
| Allowance for loan losses | 997,000 | 1,054,000 | 1,058,000 | 1,112,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 44,418,000 | 52,986,000 | 52,334,000 | 54,383,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,253,000 | 162,193,000 | 162,361,000 | 160,461,000 |
| Interest-bearing deposits | 147,401,000 | 151,495,000 | 152,076,000 | 148,590,000 |
| Noninterest-bearing deposits | 9,852,000 | 10,698,000 | 10,285,000 | 11,871,000 |
| Equity capital | 13,499,000 | 14,054,000 | 14,607,000 | 15,157,000 |
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 | 2,288,000 | 4,663,000 | 7,111,000 | 9,649,000 |
| Interest expense | 878,000 | 1,796,000 | 2,773,000 | 3,807,000 |
| Net interest income | 1,410,000 | 2,867,000 | 4,338,000 | 5,842,000 |
| Noninterest income | 160,000 | 340,000 | 515,000 | 680,000 |
| Noninterest expense | 608,000 | 1,318,000 | 2,016,000 | 2,764,000 |
| Provision for loan losses | 20,000 | 80,000 | 168,000 | 228,000 |
| Pretax income | 942,000 | 1,809,000 | 2,669,000 | 3,530,000 |
| Income tax | 343,000 | 655,000 | 962,000 | 1,273,000 |
| Net income | 599,000 | 1,154,000 | 1,707,000 | 2,257,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,499,000 | 14,054,000 | 14,607,000 | 15,157,000 |
| Total capital | 14,496,000 | 15,108,000 | 15,665,000 | 16,269,000 |
| Risk-weighted assets | 108,607,000 | 110,608,000 | 113,436,000 | 117,042,000 |