Call reports 2004
CITIZENS BANK & TRUST COMPANY OF CHICAGO — 2004
What CITIZENS BANK & TRUST COMPANY OF CHICAGO reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 58,354,000 | 61,595,000 | 61,205,000 | 63,896,000 |
| Total loans | 44,444,000 | 45,967,000 | 43,388,000 | 43,623,000 |
| Allowance for loan losses | 530,000 | 530,000 | 540,000 | 540,000 |
| Securities available for sale | 2,818,000 | 2,551,000 | 5,993,000 | 6,326,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,795,000 | 56,011,000 | 55,503,000 | 58,177,000 |
| Interest-bearing deposits | 48,306,000 | 49,732,000 | 49,014,000 | 51,761,000 |
| Noninterest-bearing deposits | 4,489,000 | 6,279,000 | 6,489,000 | 6,416,000 |
| Equity capital | 5,283,000 | 5,353,000 | 5,443,000 | 5,462,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 885,000 | 1,783,000 | 2,684,000 | 3,609,000 |
| Interest expense | 284,000 | 563,000 | 846,000 | 1,137,000 |
| Net interest income | 601,000 | 1,220,000 | 1,838,000 | 2,472,000 |
| Noninterest income | 141,000 | 188,000 | 239,000 | 293,000 |
| Noninterest expense | 543,000 | 1,129,000 | 1,692,000 | 2,346,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 10,000 |
| Pretax income | 199,000 | 279,000 | 375,000 | 409,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 199,000 | 279,000 | 375,000 | 409,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,263,000 | 5,342,000 | 5,432,000 | 5,453,000 |
| Total capital | 5,793,000 | 5,872,000 | 5,972,000 | 5,993,000 |
| Risk-weighted assets | 43,743,000 | 46,183,000 | 43,875,000 | 45,177,000 |