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 | 89,181,000 | 93,280,000 | 91,534,000 | 88,713,000 |
| Total loans | 54,906,000 | 54,745,000 | 56,511,000 | 56,991,000 |
| Allowance for loan losses | 757,000 | 754,000 | 767,000 | 776,000 |
| Securities available for sale | 15,962,000 | 16,630,000 | 16,371,000 | 16,514,000 |
| Securities held to maturity | 15,000 | 14,000 | 11,000 | 10,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,257,000 | 84,594,000 | 82,479,000 | 79,622,000 |
| Interest-bearing deposits | 67,858,000 | 71,007,000 | 69,412,000 | 66,657,000 |
| Noninterest-bearing deposits | 12,398,000 | 13,587,000 | 13,067,000 | 12,965,000 |
| Equity capital | 8,722,000 | 8,505,000 | 8,855,000 | 8,955,000 |
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 | 1,261,000 | 2,530,000 | 3,843,000 | 5,221,000 |
| Interest expense | 365,000 | 730,000 | 1,097,000 | 1,460,000 |
| Net interest income | 896,000 | 1,800,000 | 2,746,000 | 3,761,000 |
| Noninterest income | 341,000 | 646,000 | 981,000 | 1,319,000 |
| Noninterest expense | 844,000 | 1,728,000 | 2,600,000 | 3,555,000 |
| Provision for loan losses | 85,000 | 165,000 | 240,000 | 330,000 |
| Pretax income | 308,000 | 553,000 | 887,000 | 1,195,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 308,000 | 553,000 | 887,000 | 1,195,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,349,000 | 8,430,000 | 8,644,000 | 8,799,000 |
| Total capital | 9,037,000 | 9,132,000 | 9,356,000 | 9,505,000 |
| Risk-weighted assets | 55,015,000 | 56,098,000 | 56,879,000 | 56,649,000 |