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 | 67,989,000 | 65,519,000 | 66,409,000 | 68,548,000 |
| Total loans | 46,821,000 | 51,642,000 | 51,145,000 | 52,955,000 |
| Allowance for loan losses | 870,000 | 892,000 | 905,000 | 880,000 |
| Securities available for sale | 6,981,000 | 6,609,000 | 6,254,000 | 6,093,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,564,000 | 55,935,000 | 56,120,000 | 58,164,000 |
| Interest-bearing deposits | 53,534,000 | 50,714,000 | 50,808,000 | 51,018,000 |
| Noninterest-bearing deposits | 5,030,000 | 5,221,000 | 5,312,000 | 7,146,000 |
| Equity capital | 4,377,000 | 4,591,000 | 4,774,000 | 4,903,000 |
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 | 1,039,000 | 2,112,000 | 3,193,000 | 4,254,000 |
| Interest expense | 565,000 | 1,069,000 | 1,542,000 | 1,992,000 |
| Net interest income | 474,000 | 1,043,000 | 1,651,000 | 2,262,000 |
| Noninterest income | 92,000 | 187,000 | 294,000 | 404,000 |
| Noninterest expense | 421,000 | 839,000 | 1,270,000 | 1,716,000 |
| Provision for loan losses | 27,000 | 54,000 | 81,000 | 108,000 |
| Pretax income | 118,000 | 337,000 | 594,000 | 842,000 |
| Income tax | 41,000 | 97,000 | 167,000 | 245,000 |
| Net income | 77,000 | 240,000 | 427,000 | 597,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,292,000 | 4,455,000 | 4,642,000 | 4,812,000 |
| Total capital | 4,868,000 | 5,063,000 | 5,249,000 | 5,443,000 |
| Risk-weighted assets | 45,748,000 | 48,358,000 | 48,231,000 | 50,204,000 |