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 | 101,149,000 | 107,123,000 | 115,451,000 | 120,533,000 |
| Total loans | 70,145,000 | 75,556,000 | 80,196,000 | 86,517,000 |
| Allowance for loan losses | 949,000 | 1,006,000 | 1,047,000 | 1,064,000 |
| Securities available for sale | 21,129,000 | 21,136,000 | 20,831,000 | 22,564,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,356,000 | 98,046,000 | 106,251,000 | 104,325,000 |
| Interest-bearing deposits | 82,780,000 | 86,284,000 | 94,454,000 | 93,622,000 |
| Noninterest-bearing deposits | 9,576,000 | 11,763,000 | 11,797,000 | 10,703,000 |
| Equity capital | 8,711,000 | 9,037,000 | 9,081,000 | 16,010,000 |
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 | 1,379,000 | 2,807,000 | 4,391,000 | 6,157,000 |
| Interest expense | 549,000 | 1,153,000 | 1,874,000 | 2,678,000 |
| Net interest income | 830,000 | 1,654,000 | 2,517,000 | 3,479,000 |
| Noninterest income | 119,000 | 218,000 | 280,000 | 399,000 |
| Noninterest expense | 611,000 | 1,295,000 | 1,995,000 | 2,745,000 |
| Provision for loan losses | 93,000 | 181,000 | 220,000 | 251,000 |
| Pretax income | 245,000 | 396,000 | 582,000 | 882,000 |
| Income tax | 79,000 | 124,000 | 191,000 | 231,000 |
| Net income | 166,000 | 272,000 | 391,000 | 651,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,958,000 | 9,169,000 | 9,287,000 | 16,305,000 |
| Total capital | 9,868,000 | 10,104,000 | 10,300,000 | 17,369,000 |
| Risk-weighted assets | 72,771,000 | 74,765,000 | 81,000,000 | 86,905,000 |