Call reports 2005
CITIZENS BANK OF THE MIDWEST — 2005
What CITIZENS BANK OF THE MIDWEST 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 | 198,983,000 | 198,067,000 | 198,297,000 | 201,481,000 |
| Total loans | 112,852,000 | 118,828,000 | 124,016,000 | 132,153,000 |
| Allowance for loan losses | 552,000 | 600,000 | 600,000 | 618,000 |
| Securities available for sale | 78,360,000 | 69,869,000 | 64,006,000 | 58,399,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,034,000 | 184,145,000 | 184,664,000 | 188,204,000 |
| Interest-bearing deposits | 177,558,000 | 175,935,000 | 175,471,000 | 179,327,000 |
| Noninterest-bearing deposits | 7,476,000 | 8,210,000 | 9,193,000 | 8,877,000 |
| Equity capital | 12,866,000 | 13,089,000 | 12,807,000 | 12,253,000 |
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 | 2,966,000 | 6,049,000 | 9,149,000 | 12,414,000 |
| Interest expense | 1,581,000 | 3,199,000 | 4,898,000 | 6,679,000 |
| Net interest income | 1,385,000 | 2,850,000 | 4,251,000 | 5,735,000 |
| Noninterest income | 272,000 | 499,000 | 814,000 | 989,000 |
| Noninterest expense | 1,182,000 | 2,373,000 | 3,599,000 | 5,014,000 |
| Provision for loan losses | 8,000 | 56,000 | 56,000 | 74,000 |
| Pretax income | 470,000 | 774,000 | 1,162,000 | 1,070,000 |
| Income tax | 85,000 | 252,000 | 357,000 | 263,000 |
| Net income | 385,000 | 522,000 | 805,000 | 807,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,315,000 | 14,443,000 | 14,529,000 | 14,469,000 |
| Total capital | 14,867,000 | 15,043,000 | 15,129,000 | 15,087,000 |
| Risk-weighted assets | 131,433,000 | 133,222,000 | 137,365,000 | 148,452,000 |
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