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 | 68,891,000 | 69,653,000 | 72,319,000 | 72,674,000 |
| Total loans | 53,344,000 | 56,296,000 | 58,237,000 | 58,436,000 |
| Allowance for loan losses | 917,000 | 832,000 | 877,000 | 803,000 |
| Securities available for sale | 6,431,000 | 6,228,000 | 6,159,000 | 6,112,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,756,000 | 59,394,000 | 61,964,000 | 62,152,000 |
| Interest-bearing deposits | 53,427,000 | 53,304,000 | 55,688,000 | 55,683,000 |
| Noninterest-bearing deposits | 5,329,000 | 6,090,000 | 6,276,000 | 6,469,000 |
| Equity capital | 4,895,000 | 5,055,000 | 5,081,000 | 5,303,000 |
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 | 1,001,000 | 2,028,000 | 3,085,000 | 4,126,000 |
| Interest expense | 440,000 | 849,000 | 1,247,000 | 1,628,000 |
| Net interest income | 561,000 | 1,179,000 | 1,838,000 | 2,498,000 |
| Noninterest income | 127,000 | 292,000 | 480,000 | 709,000 |
| Noninterest expense | 458,000 | 955,000 | 1,622,000 | 2,105,000 |
| Provision for loan losses | 30,000 | 60,000 | 10,000 | 0 |
| Pretax income | 200,000 | 456,000 | 686,000 | 1,102,000 |
| Income tax | 74,000 | 164,000 | 262,000 | 404,000 |
| Net income | 126,000 | 292,000 | 424,000 | 698,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,783,000 | 4,950,000 | 5,017,000 | 5,291,000 |
| Total capital | 5,419,000 | 5,613,000 | 5,712,000 | 5,988,000 |
| Risk-weighted assets | 50,562,000 | 52,855,000 | 55,391,000 | 55,619,000 |