Call reports 2008
CITIZENS BANK & TRUST COMPANY OF CHICAGO — 2008
What CITIZENS BANK & TRUST COMPANY OF CHICAGO reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 74,951,000 | 68,888,000 | 73,563,000 | 83,318,000 |
| Total loans | 54,915,000 | 59,794,000 | 61,352,000 | 63,591,000 |
| Allowance for loan losses | 416,000 | 485,000 | 548,000 | 1,731,000 |
| Securities available for sale | 888,000 | 920,000 | 890,000 | 844,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,537,000 | 63,530,000 | 67,579,000 | 78,974,000 |
| Interest-bearing deposits | 64,136,000 | 58,316,000 | 60,464,000 | 73,896,000 |
| Noninterest-bearing deposits | 5,400,000 | 5,213,000 | 7,114,000 | 5,078,000 |
| Equity capital | 4,900,000 | 4,990,000 | 5,463,000 | 3,963,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,284,000 | 2,495,000 | 3,677,000 | 4,879,000 |
| Interest expense | 715,000 | 1,355,000 | 1,916,000 | 2,536,000 |
| Net interest income | 569,000 | 1,140,000 | 1,761,000 | 2,343,000 |
| Noninterest income | 114,000 | 239,000 | 1,041,000 | 1,179,000 |
| Noninterest expense | 775,000 | 1,525,000 | 2,422,000 | 3,277,000 |
| Provision for loan losses | 0 | 50,000 | 100,000 | 1,464,000 |
| Pretax income | -89,000 | -193,000 | 283,000 | -1,216,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -89,000 | -193,000 | 283,000 | -1,216,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,887,000 | 4,982,000 | 5,457,000 | 3,959,000 |
| Total capital | 5,303,000 | 5,467,000 | 6,005,000 | 4,823,000 |
| Risk-weighted assets | 57,621,000 | 60,227,000 | 66,442,000 | 68,271,000 |