Call reports 2004
CITIZENS BANK OF THE MIDWEST — 2004
What CITIZENS BANK OF THE MIDWEST 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 | 195,634,000 | 198,882,000 | 201,336,000 | 199,250,000 |
| Total loans | 101,499,000 | 104,538,000 | 109,536,000 | 111,615,000 |
| Allowance for loan losses | 575,000 | 558,000 | 558,000 | 544,000 |
| Securities available for sale | 83,650,000 | 84,766,000 | 84,019,000 | 80,060,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,187,000 | 185,684,000 | 187,074,000 | 178,880,000 |
| Interest-bearing deposits | 173,391,000 | 177,669,000 | 178,565,000 | 170,261,000 |
| Noninterest-bearing deposits | 7,796,000 | 8,015,000 | 8,509,000 | 8,619,000 |
| Equity capital | 13,684,000 | 12,071,000 | 13,499,000 | 13,375,000 |
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 | 2,873,000 | 5,715,000 | 8,748,000 | 11,798,000 |
| Interest expense | 1,475,000 | 2,942,000 | 4,477,000 | 5,993,000 |
| Net interest income | 1,398,000 | 2,773,000 | 4,271,000 | 5,805,000 |
| Noninterest income | 119,000 | 297,000 | 448,000 | 617,000 |
| Noninterest expense | 1,197,000 | 2,372,000 | 3,565,000 | 4,960,000 |
| Provision for loan losses | 30,000 | 30,000 | 30,000 | 30,000 |
| Pretax income | 270,000 | 539,000 | 1,089,000 | 1,415,000 |
| Income tax | 70,000 | 147,000 | 227,000 | 505,000 |
| Net income | 200,000 | 392,000 | 862,000 | 910,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,566,000 | 13,610,000 | 14,103,000 | 14,162,000 |
| Total capital | 14,141,000 | 14,168,000 | 14,661,000 | 14,706,000 |
| Risk-weighted assets | 118,699,000 | 125,649,000 | 130,636,000 | 131,154,000 |
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