Call reports 2002
CITIZENS BANK OF WINFIELD, THE — 2002
What CITIZENS BANK OF WINFIELD, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 131,257,000 | 135,584,000 | 148,009,000 | 145,860,000 |
| Total loans | 29,810,000 | 30,541,000 | 32,813,000 | 32,436,000 |
| Allowance for loan losses | 308,000 | 302,000 | 266,000 | 201,000 |
| Securities available for sale | 93,638,000 | 82,274,000 | 105,299,000 | 104,845,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,493,000 | 93,932,000 | 93,496,000 | 91,685,000 |
| Interest-bearing deposits | 85,128,000 | 86,780,000 | 86,431,000 | 84,597,000 |
| Noninterest-bearing deposits | 7,365,000 | 7,152,000 | 7,065,000 | 7,088,000 |
| Equity capital | 21,486,000 | 23,675,000 | 25,656,000 | 25,723,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,273,000 | 4,524,000 | 6,805,000 | 8,964,000 |
| Interest expense | 929,000 | 1,796,000 | 2,671,000 | 3,538,000 |
| Net interest income | 1,344,000 | 2,728,000 | 4,134,000 | 5,426,000 |
| Noninterest income | 92,000 | 180,000 | 260,000 | 351,000 |
| Noninterest expense | 558,000 | 1,138,000 | 1,733,000 | 2,405,000 |
| Provision for loan losses | 0 | 0 | 4,000 | 11,000 |
| Pretax income | 985,000 | 1,862,000 | 2,752,000 | 3,502,000 |
| Income tax | 198,000 | 372,000 | 577,000 | 733,000 |
| Net income | 787,000 | 1,490,000 | 2,175,000 | 2,769,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,497,000 | 22,199,000 | 22,885,000 | 23,479,000 |
| Total capital | 21,805,000 | 22,501,000 | 23,151,000 | 23,680,000 |
| Risk-weighted assets | 67,812,000 | 68,353,000 | 71,521,000 | 71,644,000 |