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 | 58,954,000 | 59,082,000 | 58,687,000 | 63,282,000 |
| Total loans | 41,123,000 | 43,455,000 | 46,461,000 | 47,068,000 |
| Allowance for loan losses | 784,000 | 813,000 | 839,000 | 836,000 |
| Securities available for sale | 5,677,000 | 7,809,000 | 7,932,000 | 7,574,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,452,000 | 49,548,000 | 49,082,000 | 53,546,000 |
| Interest-bearing deposits | 45,536,000 | 45,306,000 | 45,097,000 | 48,572,000 |
| Noninterest-bearing deposits | 3,916,000 | 4,242,000 | 3,985,000 | 4,974,000 |
| Equity capital | 4,211,000 | 4,269,000 | 4,356,000 | 4,506,000 |
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 | 1,157,000 | 2,288,000 | 3,376,000 | 4,479,000 |
| Interest expense | 701,000 | 1,383,000 | 2,033,000 | 2,616,000 |
| Net interest income | 456,000 | 905,000 | 1,343,000 | 1,863,000 |
| Noninterest income | 69,000 | 148,000 | 228,000 | 309,000 |
| Noninterest expense | 314,000 | 651,000 | 1,061,000 | 1,465,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 96,000 |
| Pretax income | 187,000 | 354,000 | 438,000 | 611,000 |
| Income tax | 64,000 | 171,000 | 248,000 | 232,000 |
| Net income | 123,000 | 183,000 | 190,000 | 379,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,108,000 | 4,169,000 | 4,176,000 | 4,365,000 |
| Total capital | 4,594,000 | 4,688,000 | 4,722,000 | 4,931,000 |
| Risk-weighted assets | 38,614,000 | 41,234,000 | 43,310,000 | 44,899,000 |