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 | 90,467,000 | 90,126,000 | 97,042,000 | 97,901,000 |
| Total loans | 61,015,000 | 62,557,000 | 65,728,000 | 65,169,000 |
| Allowance for loan losses | 851,000 | 840,000 | 879,000 | 902,000 |
| Securities available for sale | 16,102,000 | 16,403,000 | 15,014,000 | 14,885,000 |
| Securities held to maturity | 9,000 | 8,000 | 6,000 | 5,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,208,000 | 80,554,000 | 87,318,000 | 88,223,000 |
| Interest-bearing deposits | 66,637,000 | 65,601,000 | 72,835,000 | 73,598,000 |
| Noninterest-bearing deposits | 14,571,000 | 14,953,000 | 14,482,000 | 14,625,000 |
| Equity capital | 9,088,000 | 9,367,000 | 9,475,000 | 9,471,000 |
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 | 1,371,000 | 2,781,000 | 4,298,000 | 5,927,000 |
| Interest expense | 367,000 | 770,000 | 1,223,000 | 1,757,000 |
| Net interest income | 1,004,000 | 2,011,000 | 3,075,000 | 4,170,000 |
| Noninterest income | 364,000 | 706,000 | 1,013,000 | 1,346,000 |
| Noninterest expense | 843,000 | 1,705,000 | 2,631,000 | 3,678,000 |
| Provision for loan losses | 70,000 | 125,000 | 185,000 | 215,000 |
| Pretax income | 455,000 | 887,000 | 1,272,000 | 1,623,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 455,000 | 887,000 | 1,272,000 | 1,623,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,090,000 | 9,283,000 | 9,447,000 | 9,566,000 |
| Total capital | 9,839,000 | 10,056,000 | 10,263,000 | 10,374,000 |
| Risk-weighted assets | 59,816,000 | 60,998,000 | 64,696,000 | 63,904,000 |