Call reports 2016
CITIZENS BANK OF THE MIDWEST — 2016
What CITIZENS BANK OF THE MIDWEST reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 164,689,000 | 159,652,000 | 157,591,000 | 152,300,000 |
| Total loans | 101,199,000 | 102,781,000 | 102,810,000 | 102,973,000 |
| Allowance for loan losses | 1,593,000 | 1,690,000 | 1,718,000 | 1,685,000 |
| Securities available for sale | 27,839,000 | 23,910,000 | 23,166,000 | 20,675,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,894,000 | 141,181,000 | 138,881,000 | 133,822,000 |
| Interest-bearing deposits | 135,654,000 | 130,127,000 | 126,728,000 | 123,066,000 |
| Noninterest-bearing deposits | 10,240,000 | 11,054,000 | 12,153,000 | 10,756,000 |
| Equity capital | 18,040,000 | 17,677,000 | 17,880,000 | 17,631,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,625,000 | 3,137,000 | 4,650,000 | 6,072,000 |
| Interest expense | 365,000 | 714,000 | 1,053,000 | 1,386,000 |
| Net interest income | 1,260,000 | 2,423,000 | 3,597,000 | 4,686,000 |
| Noninterest income | 702,000 | 742,000 | 935,000 | 1,055,000 |
| Noninterest expense | 1,095,000 | 2,195,000 | 3,252,000 | 4,409,000 |
| Provision for loan losses | 46,000 | 166,000 | 206,000 | 206,000 |
| Pretax income | 821,000 | 646,000 | 777,000 | 758,000 |
| Income tax | 0 | 73,000 | 103,000 | 103,000 |
| Net income | 821,000 | 573,000 | 674,000 | 655,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,039,000 | 17,482,000 | 17,585,000 | 17,562,000 |
| Total capital | 19,632,000 | 19,172,000 | 19,303,000 | 19,247,000 |
| Risk-weighted assets | 148,852,000 | 146,605,000 | 145,882,000 | 146,179,000 |