Call reports 2001
CITIZENS COMMUNITY BANK — 2001
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 36,893,000 | 44,912,000 | 47,689,000 | 51,065,000 |
| Total loans | 18,622,000 | 23,993,000 | 27,733,000 | 31,750,000 |
| Allowance for loan losses | 182,000 | 237,000 | 276,000 | 318,000 |
| Securities available for sale | 7,982,000 | 8,361,000 | 11,081,000 | 11,960,000 |
| Securities held to maturity | 5,082,000 | 3,667,000 | 3,046,000 | 1,658,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,405,000 | 37,398,000 | 40,078,000 | 43,563,000 |
| Interest-bearing deposits | 26,862,000 | 34,756,000 | 36,495,000 | 40,395,000 |
| Noninterest-bearing deposits | 2,543,000 | 2,642,000 | 3,583,000 | 3,168,000 |
| Equity capital | 7,473,000 | 7,467,000 | 7,521,000 | 7,394,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 663,000 | 1,466,000 | 2,283,000 | 3,029,000 |
| Interest expense | 361,000 | 783,000 | 1,245,000 | 1,692,000 |
| Net interest income | 302,000 | 683,000 | 1,038,000 | 1,337,000 |
| Noninterest income | 8,000 | 25,000 | 45,000 | 61,000 |
| Noninterest expense | 239,000 | 521,000 | 815,000 | 1,096,000 |
| Provision for loan losses | 30,000 | 85,000 | 129,000 | 215,000 |
| Pretax income | 63,000 | 124,000 | 162,000 | 142,000 |
| Income tax | 0 | 37,000 | 63,000 | 33,000 |
| Net income | 63,000 | 87,000 | 99,000 | 109,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,402,000 | 7,427,000 | 7,439,000 | 7,449,000 |
| Total capital | 7,584,000 | 7,665,000 | 7,715,000 | 7,767,000 |
| Risk-weighted assets | 20,627,000 | 25,721,000 | 29,785,000 | 33,449,000 |