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 | 75,854,000 | 76,963,000 | 75,080,000 | 77,467,000 |
| Total loans | 56,808,000 | 59,158,000 | 60,041,000 | 64,247,000 |
| Allowance for loan losses | 793,000 | 843,000 | 892,000 | 941,000 |
| Securities available for sale | 5,931,000 | 6,177,000 | 5,894,000 | 5,872,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,025,000 | 65,928,000 | 64,519,000 | 66,107,000 |
| Interest-bearing deposits | 58,372,000 | 58,535,000 | 56,761,000 | 57,183,000 |
| Noninterest-bearing deposits | 6,653,000 | 7,393,000 | 7,758,000 | 8,924,000 |
| Equity capital | 5,577,000 | 5,773,000 | 5,810,000 | 6,008,000 |
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 | 1,030,000 | 2,111,000 | 3,236,000 | 4,454,000 |
| Interest expense | 399,000 | 824,000 | 1,270,000 | 1,736,000 |
| Net interest income | 631,000 | 1,287,000 | 1,966,000 | 2,718,000 |
| Noninterest income | 151,000 | 292,000 | 471,000 | 626,000 |
| Noninterest expense | 476,000 | 950,000 | 1,427,000 | 1,922,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 261,000 | 539,000 | 875,000 | 1,242,000 |
| Income tax | 98,000 | 188,000 | 298,000 | 463,000 |
| Net income | 163,000 | 351,000 | 577,000 | 779,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,608,000 | 5,796,000 | 5,843,000 | 6,045,000 |
| Total capital | 6,344,000 | 6,554,000 | 6,594,000 | 6,838,000 |
| Risk-weighted assets | 57,857,000 | 59,484,000 | 60,489,000 | 65,012,000 |