Call reports 2005
CITIZENS BANK & TRUST COMPANY OF CHICAGO — 2005
What CITIZENS BANK & TRUST COMPANY OF CHICAGO reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 62,153,000 | 69,473,000 | 71,338,000 | 77,017,000 |
| Total loans | 42,489,000 | 51,330,000 | 56,207,000 | 53,771,000 |
| Allowance for loan losses | 534,000 | 544,000 | 671,000 | 645,000 |
| Securities available for sale | 6,237,000 | 6,154,000 | 6,179,000 | 6,213,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,387,000 | 63,594,000 | 64,960,000 | 70,901,000 |
| Interest-bearing deposits | 51,050,000 | 56,120,000 | 58,728,000 | 62,054,000 |
| Noninterest-bearing deposits | 5,338,000 | 7,475,000 | 6,233,000 | 8,847,000 |
| Equity capital | 5,509,000 | 5,600,000 | 5,963,000 | 5,005,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 911,000 | 1,912,000 | 3,062,000 | 4,308,000 |
| Interest expense | 299,000 | 637,000 | 1,090,000 | 1,615,000 |
| Net interest income | 612,000 | 1,275,000 | 1,972,000 | 2,693,000 |
| Noninterest income | 50,000 | 104,000 | 592,000 | 682,000 |
| Noninterest expense | 580,000 | 1,202,000 | 1,886,000 | 3,643,000 |
| Provision for loan losses | 0 | 10,000 | 130,000 | 130,000 |
| Pretax income | 82,000 | 167,000 | 548,000 | -398,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 82,000 | 167,000 | 548,000 | -398,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,519,000 | 5,611,000 | 6,004,000 | 5,054,000 |
| Total capital | 6,053,000 | 6,155,000 | 6,675,000 | 5,700,000 |
| Risk-weighted assets | 47,837,000 | 56,249,000 | 60,791,000 | 52,955,000 |