Call reports 2012
CITIZENS BANK OF THE MIDWEST — 2012
What CITIZENS BANK OF THE MIDWEST reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 176,593,000 | 171,027,000 | 170,591,000 | 170,820,000 |
| Total loans | 114,188,000 | 115,098,000 | 109,676,000 | 113,755,000 |
| Allowance for loan losses | 2,036,000 | 2,066,000 | 2,058,000 | 2,069,000 |
| Securities available for sale | 45,829,000 | 41,945,000 | 40,148,000 | 44,958,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,206,000 | 154,143,000 | 153,189,000 | 149,839,000 |
| Interest-bearing deposits | 151,818,000 | 144,740,000 | 142,998,000 | 141,324,000 |
| Noninterest-bearing deposits | 8,388,000 | 9,403,000 | 10,191,000 | 8,515,000 |
| Equity capital | 15,985,000 | 16,456,000 | 16,876,000 | 16,317,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,186,000 | 4,330,000 | 6,395,000 | 8,463,000 |
| Interest expense | 750,000 | 1,476,000 | 2,159,000 | 2,767,000 |
| Net interest income | 1,436,000 | 2,854,000 | 4,236,000 | 5,696,000 |
| Noninterest income | -41,000 | 81,000 | 176,000 | 284,000 |
| Noninterest expense | 1,181,000 | 2,280,000 | 3,397,000 | 4,702,000 |
| Provision for loan losses | 129,000 | 159,000 | 159,000 | 159,000 |
| Pretax income | 85,000 | 496,000 | 942,000 | 1,244,000 |
| Income tax | -69,000 | -37,000 | 24,000 | 93,000 |
| Net income | 154,000 | 533,000 | 918,000 | 1,151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,057,000 | 16,185,000 | 16,570,000 | 15,868,000 |
| Total capital | 17,634,000 | 17,760,000 | 18,095,000 | 17,429,000 |
| Risk-weighted assets | 125,679,000 | 125,519,000 | 121,489,000 | 124,393,000 |