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 | 89,093,000 | 93,783,000 | 100,790,000 | 103,580,000 |
| Total loans | 59,605,000 | 63,397,000 | 68,055,000 | 68,766,000 |
| Allowance for loan losses | 769,000 | 837,000 | 879,000 | 899,000 |
| Securities available for sale | 15,216,000 | 19,439,000 | 18,382,000 | 23,080,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,612,000 | 85,431,000 | 92,183,000 | 94,962,000 |
| Interest-bearing deposits | 73,246,000 | 75,603,000 | 83,192,000 | 85,384,000 |
| Noninterest-bearing deposits | 7,366,000 | 9,828,000 | 8,992,000 | 9,578,000 |
| Equity capital | 8,349,000 | 8,258,000 | 8,543,000 | 8,561,000 |
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 | 1,126,000 | 2,302,000 | 3,562,000 | 4,871,000 |
| Interest expense | 419,000 | 864,000 | 1,356,000 | 1,896,000 |
| Net interest income | 707,000 | 1,438,000 | 2,206,000 | 2,975,000 |
| Noninterest income | 71,000 | 160,000 | 261,000 | 339,000 |
| Noninterest expense | 486,000 | 1,022,000 | 1,616,000 | 2,169,000 |
| Provision for loan losses | 103,000 | 199,000 | 320,000 | 460,000 |
| Pretax income | 189,000 | 377,000 | 516,000 | 670,000 |
| Income tax | 68,000 | 132,000 | 138,000 | 213,000 |
| Net income | 121,000 | 245,000 | 378,000 | 457,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,274,000 | 8,399,000 | 8,532,000 | 8,610,000 |
| Total capital | 9,032,000 | 9,204,000 | 9,411,000 | 9,494,000 |
| Risk-weighted assets | 60,665,000 | 64,395,000 | 70,429,000 | 70,715,000 |