Call reports 2010
CITIZENS BANK OF THE MIDWEST — 2010
What CITIZENS BANK OF THE MIDWEST reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 181,137,000 | 176,204,000 | 171,570,000 | 168,897,000 |
| Total loans | 128,990,000 | 125,728,000 | 123,031,000 | 121,114,000 |
| Allowance for loan losses | 2,295,000 | 2,166,000 | 2,150,000 | 1,930,000 |
| Securities available for sale | 32,090,000 | 32,507,000 | 33,877,000 | 34,410,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,301,000 | 160,866,000 | 155,884,000 | 153,928,000 |
| Interest-bearing deposits | 151,469,000 | 152,303,000 | 147,496,000 | 146,403,000 |
| Noninterest-bearing deposits | 9,832,000 | 8,563,000 | 8,388,000 | 7,525,000 |
| Equity capital | 14,475,000 | 14,945,000 | 15,257,000 | 14,529,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,561,000 | 5,091,000 | 7,561,000 | 9,979,000 |
| Interest expense | 1,023,000 | 2,034,000 | 2,995,000 | 3,853,000 |
| Net interest income | 1,538,000 | 3,057,000 | 4,566,000 | 6,126,000 |
| Noninterest income | 155,000 | 286,000 | 442,000 | 364,000 |
| Noninterest expense | 1,218,000 | 2,417,000 | 3,676,000 | 5,035,000 |
| Provision for loan losses | 25,000 | 219,000 | 623,000 | 861,000 |
| Pretax income | 449,000 | 756,000 | 646,000 | 531,000 |
| Income tax | -66,000 | -66,000 | -49,000 | 43,000 |
| Net income | 515,000 | 822,000 | 695,000 | 488,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,664,000 | 15,854,000 | 15,734,000 | 15,188,000 |
| Total capital | 17,397,000 | 17,527,000 | 17,352,000 | 16,783,000 |
| Risk-weighted assets | 138,095,000 | 133,319,000 | 128,884,000 | 127,304,000 |