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 | 92,544,000 | 93,256,000 | 90,775,000 | 88,262,000 |
| Total loans | 56,823,000 | 56,140,000 | 54,263,000 | 54,178,000 |
| Allowance for loan losses | 766,000 | 780,000 | 822,000 | 736,000 |
| Securities available for sale | 11,131,000 | 10,663,000 | 16,689,000 | 18,318,000 |
| Securities held to maturity | 1,076,000 | 1,025,000 | 22,000 | 20,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,985,000 | 84,505,000 | 82,078,000 | 79,586,000 |
| Interest-bearing deposits | 66,712,000 | 72,023,000 | 69,968,000 | 66,752,000 |
| Noninterest-bearing deposits | 17,273,000 | 12,482,000 | 12,110,000 | 12,834,000 |
| Equity capital | 8,266,000 | 8,482,000 | 8,430,000 | 8,510,000 |
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 | 1,458,000 | 2,880,000 | 4,260,000 | 5,556,000 |
| Interest expense | 539,000 | 1,024,000 | 1,459,000 | 1,844,000 |
| Net interest income | 919,000 | 1,856,000 | 2,801,000 | 3,712,000 |
| Noninterest income | 222,000 | 690,000 | 1,024,000 | 1,333,000 |
| Noninterest expense | 731,000 | 1,628,000 | 2,489,000 | 3,382,000 |
| Provision for loan losses | 165,000 | 305,000 | 385,000 | 475,000 |
| Pretax income | 245,000 | 613,000 | 951,000 | 1,188,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 245,000 | 613,000 | 951,000 | 1,188,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,750,000 | 7,968,000 | 8,137,000 | 8,205,000 |
| Total capital | 8,476,000 | 8,687,000 | 8,830,000 | 8,884,000 |
| Risk-weighted assets | 58,069,000 | 57,460,000 | 55,324,000 | 54,269,000 |