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 | 200,768,000 | 202,813,000 | 209,461,000 | 216,335,000 |
| Total loans | 109,826,000 | 114,671,000 | 119,162,000 | 124,669,000 |
| Allowance for loan losses | 1,110,000 | 1,156,000 | 1,170,000 | 1,196,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 59,804,000 | 57,968,000 | 60,048,000 | 59,945,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,178,000 | 169,020,000 | 176,468,000 | 182,679,000 |
| Interest-bearing deposits | 159,957,000 | 157,475,000 | 164,094,000 | 169,615,000 |
| Noninterest-bearing deposits | 12,221,000 | 11,545,000 | 12,374,000 | 13,064,000 |
| Equity capital | 15,529,000 | 16,093,000 | 16,663,000 | 17,219,000 |
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 | 2,559,000 | 5,271,000 | 8,093,000 | 11,025,000 |
| Interest expense | 1,117,000 | 2,347,000 | 3,681,000 | 5,123,000 |
| Net interest income | 1,442,000 | 2,924,000 | 4,412,000 | 5,902,000 |
| Noninterest income | 154,000 | 358,000 | 559,000 | 758,000 |
| Noninterest expense | 704,000 | 1,467,000 | 2,220,000 | 2,993,000 |
| Provision for loan losses | 50,000 | 95,000 | 150,000 | 200,000 |
| Pretax income | 842,000 | 1,720,000 | 2,601,000 | 3,467,000 |
| Income tax | 300,000 | 614,000 | 925,000 | 1,235,000 |
| Net income | 542,000 | 1,106,000 | 1,676,000 | 2,232,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,529,000 | 16,093,000 | 16,663,000 | 17,219,000 |
| Total capital | 16,639,000 | 17,249,000 | 17,833,000 | 18,415,000 |
| Risk-weighted assets | 120,063,000 | 123,096,000 | 127,774,000 | 131,556,000 |