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 | 70,811,000 | 76,059,000 | 77,531,000 | 82,844,000 |
| Total loans | 50,504,000 | 57,922,000 | 57,045,000 | 59,823,000 |
| Allowance for loan losses | 571,000 | 615,000 | 658,000 | 717,000 |
| Securities available for sale | 12,257,000 | 9,141,000 | 8,440,000 | 10,460,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,930,000 | 67,997,000 | 69,331,000 | 74,501,000 |
| Interest-bearing deposits | 57,476,000 | 62,445,000 | 63,054,000 | 67,485,000 |
| Noninterest-bearing deposits | 5,454,000 | 5,552,000 | 6,276,000 | 7,015,000 |
| Equity capital | 7,790,000 | 7,957,000 | 8,031,000 | 8,193,000 |
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 | 942,000 | 1,971,000 | 3,033,000 | 4,138,000 |
| Interest expense | 418,000 | 841,000 | 1,257,000 | 1,663,000 |
| Net interest income | 524,000 | 1,130,000 | 1,776,000 | 2,475,000 |
| Noninterest income | 42,000 | 108,000 | 173,000 | 225,000 |
| Noninterest expense | 393,000 | 804,000 | 1,231,000 | 1,711,000 |
| Provision for loan losses | 54,000 | 136,000 | 221,000 | 307,000 |
| Pretax income | 131,000 | 310,000 | 509,000 | 694,000 |
| Income tax | 57,000 | 124,000 | 199,000 | 242,000 |
| Net income | 74,000 | 186,000 | 310,000 | 452,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,726,000 | 7,890,000 | 8,012,000 | 8,153,000 |
| Total capital | 8,297,000 | 8,505,000 | 8,690,000 | 8,870,000 |
| Risk-weighted assets | 50,723,000 | 56,686,000 | 56,415,000 | 59,157,000 |