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 | 73,285,000 | 74,771,000 | 75,649,000 | 74,538,000 |
| Total loans | 58,305,000 | 59,669,000 | 60,872,000 | 59,121,000 |
| Allowance for loan losses | 815,000 | 850,000 | 891,000 | 749,000 |
| Securities available for sale | 6,315,000 | 6,228,000 | 6,239,000 | 6,611,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,778,000 | 64,272,000 | 63,458,000 | 63,573,000 |
| Interest-bearing deposits | 56,641,000 | 57,556,000 | 56,507,000 | 55,805,000 |
| Noninterest-bearing deposits | 6,137,000 | 6,716,000 | 6,951,000 | 7,768,000 |
| Equity capital | 5,302,000 | 5,207,000 | 5,384,000 | 5,608,000 |
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 | 995,000 | 2,007,000 | 3,036,000 | 4,097,000 |
| Interest expense | 347,000 | 749,000 | 1,127,000 | 1,524,000 |
| Net interest income | 648,000 | 1,258,000 | 1,909,000 | 2,573,000 |
| Noninterest income | 157,000 | 297,000 | 452,000 | 801,000 |
| Noninterest expense | 514,000 | 1,020,000 | 1,535,000 | 2,132,000 |
| Provision for loan losses | 33,000 | 66,000 | 99,000 | 132,000 |
| Pretax income | 258,000 | 469,000 | 727,000 | 1,110,000 |
| Income tax | 98,000 | 176,000 | 272,000 | 416,000 |
| Net income | 160,000 | 293,000 | 455,000 | 694,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,271,000 | 5,224,000 | 5,381,000 | 5,626,000 |
| Total capital | 5,973,000 | 5,949,000 | 6,132,000 | 6,366,000 |
| Risk-weighted assets | 56,072,000 | 57,855,000 | 59,945,000 | 59,197,000 |