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 | 81,722,000 | 83,154,000 | 83,596,000 | 85,840,000 |
| Total loans | 57,870,000 | 57,026,000 | 56,355,000 | 54,557,000 |
| Allowance for loan losses | 419,000 | 450,000 | 406,000 | 628,000 |
| Securities available for sale | 11,023,000 | 11,032,000 | 11,650,000 | 14,631,000 |
| Securities held to maturity | 1,102,000 | 1,099,000 | 1,097,000 | 1,095,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,872,000 | 75,217,000 | 75,267,000 | 77,761,000 |
| Interest-bearing deposits | 60,022,000 | 63,263,000 | 63,344,000 | 66,451,000 |
| Noninterest-bearing deposits | 12,850,000 | 11,954,000 | 11,923,000 | 11,311,000 |
| Equity capital | 7,446,000 | 7,520,000 | 7,923,000 | 7,702,000 |
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 | 1,715,000 | 3,405,000 | 5,123,000 | 6,826,000 |
| Interest expense | 893,000 | 1,814,000 | 2,705,000 | 3,529,000 |
| Net interest income | 822,000 | 1,591,000 | 2,418,000 | 3,297,000 |
| Noninterest income | 293,000 | 642,000 | 938,000 | 1,268,000 |
| Noninterest expense | 760,000 | 1,559,000 | 2,267,000 | 3,088,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 490,000 |
| Pretax income | 297,000 | 556,000 | 911,000 | 989,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 297,000 | 556,000 | 911,000 | 989,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,009,000 | 7,074,000 | 7,304,000 | 7,232,000 |
| Total capital | 7,428,000 | 7,524,000 | 7,710,000 | 7,860,000 |
| Risk-weighted assets | 57,218,000 | 55,693,000 | 54,805,000 | 55,209,000 |