Call reports 2002
CITIZENS COMMUNITY BANK — 2002
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 89,357,000 | 88,291,000 | 88,890,000 | 89,725,000 |
| Total loans | 55,555,000 | 58,956,000 | 58,677,000 | 58,264,000 |
| Allowance for loan losses | 606,000 | 633,000 | 656,000 | 690,000 |
| Securities available for sale | 14,132,000 | 13,098,000 | 11,015,000 | 10,872,000 |
| Securities held to maturity | 1,093,000 | 1,085,000 | 1,082,000 | 1,081,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,383,000 | 79,995,000 | 80,392,000 | 81,308,000 |
| Interest-bearing deposits | 67,669,000 | 63,202,000 | 63,072,000 | 65,441,000 |
| Noninterest-bearing deposits | 13,715,000 | 16,793,000 | 17,320,000 | 15,867,000 |
| Equity capital | 7,587,000 | 7,947,000 | 8,179,000 | 8,164,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,631,000 | 3,238,000 | 4,912,000 | 6,464,000 |
| Interest expense | 763,000 | 1,460,000 | 2,101,000 | 2,722,000 |
| Net interest income | 868,000 | 1,778,000 | 2,811,000 | 3,742,000 |
| Noninterest income | 314,000 | 669,000 | 941,000 | 1,161,000 |
| Noninterest expense | 796,000 | 1,614,000 | 2,433,000 | 3,268,000 |
| Provision for loan losses | 80,000 | 217,000 | 407,000 | 625,000 |
| Pretax income | 306,000 | 616,000 | 912,000 | 1,081,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 306,000 | 616,000 | 912,000 | 1,081,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,357,000 | 7,484,000 | 7,663,000 | 7,628,000 |
| Total capital | 7,962,000 | 8,117,000 | 8,319,000 | 8,318,000 |
| Risk-weighted assets | 56,160,000 | 59,185,000 | 58,392,000 | 58,522,000 |