Call reports 2003
CITIZENS BANK OF THE MIDWEST — 2003
What CITIZENS BANK OF THE MIDWEST 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 | 186,365,000 | 188,146,000 | 190,652,000 | 187,198,000 |
| Total loans | 94,398,000 | 95,885,000 | 95,959,000 | 99,912,000 |
| Allowance for loan losses | 509,000 | 612,000 | 607,000 | 537,000 |
| Securities available for sale | 83,012,000 | 83,812,000 | 86,046,000 | 79,340,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,412,000 | 172,439,000 | 175,629,000 | 173,065,000 |
| Interest-bearing deposits | 165,335,000 | 164,948,000 | 168,037,000 | 165,086,000 |
| Noninterest-bearing deposits | 7,077,000 | 7,491,000 | 7,592,000 | 7,979,000 |
| Equity capital | 13,150,000 | 13,382,000 | 13,052,000 | 12,663,000 |
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 | 3,328,000 | 6,536,000 | 9,512,000 | 12,451,000 |
| Interest expense | 1,700,000 | 3,284,000 | 4,820,000 | 6,304,000 |
| Net interest income | 1,628,000 | 3,252,000 | 4,692,000 | 6,147,000 |
| Noninterest income | 67,000 | 142,000 | 230,000 | 307,000 |
| Noninterest expense | 1,027,000 | 2,103,000 | 3,239,000 | 4,496,000 |
| Provision for loan losses | 120,000 | 230,000 | 230,000 | 230,000 |
| Pretax income | 749,000 | 1,278,000 | 1,683,000 | 1,982,000 |
| Income tax | 60,000 | 240,000 | 369,000 | 588,000 |
| Net income | 689,000 | 1,038,000 | 1,314,000 | 1,394,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,881,000 | 13,212,000 | 13,432,000 | 13,358,000 |
| Total capital | 13,390,000 | 13,824,000 | 14,039,000 | 13,895,000 |
| Risk-weighted assets | 126,973,000 | 119,186,000 | 117,611,000 | 115,081,000 |
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