Call reports 2008
CITIZENS BANK OF THE MIDWEST — 2008
What CITIZENS BANK OF THE MIDWEST reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 202,190,000 | 191,397,000 | 187,739,000 | 203,719,000 |
| Total loans | 145,388,000 | 141,023,000 | 142,601,000 | 139,997,000 |
| Allowance for loan losses | 1,538,000 | 1,297,000 | 2,124,000 | 1,950,000 |
| Securities available for sale | 44,671,000 | 38,097,000 | 32,775,000 | 48,768,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,279,000 | 175,526,000 | 166,773,000 | 188,662,000 |
| Interest-bearing deposits | 177,828,000 | 166,628,000 | 157,540,000 | 180,418,000 |
| Noninterest-bearing deposits | 8,451,000 | 8,898,000 | 9,233,000 | 8,244,000 |
| Equity capital | 12,868,000 | 13,066,000 | 11,608,000 | 11,846,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,463,000 | 6,702,000 | 9,899,000 | 12,961,000 |
| Interest expense | 1,990,000 | 3,708,000 | 5,270,000 | 6,810,000 |
| Net interest income | 1,473,000 | 2,994,000 | 4,629,000 | 6,151,000 |
| Noninterest income | 163,000 | 434,000 | 330,000 | 606,000 |
| Noninterest expense | 1,180,000 | 2,455,000 | 3,780,000 | 5,337,000 |
| Provision for loan losses | 700,000 | 700,000 | 1,570,000 | 1,542,000 |
| Pretax income | -232,000 | 287,000 | -1,034,000 | -755,000 |
| Income tax | 0 | 9,000 | -532,000 | -532,000 |
| Net income | -232,000 | 278,000 | -502,000 | -223,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,415,000 | 14,923,000 | 14,175,000 | 14,932,000 |
| Total capital | 15,953,000 | 16,220,000 | 16,027,000 | 16,815,000 |
| Risk-weighted assets | 150,347,000 | 146,448,000 | 147,396,000 | 150,564,000 |
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