Call reports 2003
CITIZENS BANK OF WINFIELD, THE — 2003
What CITIZENS BANK OF WINFIELD, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 149,970,000 | 157,424,000 | 152,042,000 | 148,037,000 |
| Total loans | 32,135,000 | 32,270,000 | 33,587,000 | 32,405,000 |
| Allowance for loan losses | 180,000 | 205,000 | 213,000 | 201,000 |
| Securities available for sale | 112,187,000 | 110,724,000 | 107,261,000 | 108,875,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,580,000 | 94,782,000 | 95,038,000 | 94,446,000 |
| Interest-bearing deposits | 86,008,000 | 87,380,000 | 87,717,000 | 86,914,000 |
| Noninterest-bearing deposits | 7,572,000 | 7,402,000 | 7,321,000 | 7,532,000 |
| Equity capital | 25,935,000 | 27,742,000 | 26,187,000 | 27,059,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,172,000 | 4,197,000 | 6,289,000 | 8,364,000 |
| Interest expense | 798,000 | 1,568,000 | 2,321,000 | 3,011,000 |
| Net interest income | 1,374,000 | 2,629,000 | 3,968,000 | 5,353,000 |
| Noninterest income | 78,000 | 170,000 | 257,000 | 381,000 |
| Noninterest expense | 590,000 | 1,200,000 | 1,803,000 | 2,522,000 |
| Provision for loan losses | 40,000 | 78,000 | 117,000 | 124,000 |
| Pretax income | 1,025,000 | 1,766,000 | 2,397,000 | 3,204,000 |
| Income tax | 179,000 | 364,000 | 510,000 | 677,000 |
| Net income | 846,000 | 1,402,000 | 1,887,000 | 2,527,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,850,000 | 24,405,000 | 24,891,000 | 25,530,000 |
| Total capital | 24,030,000 | 24,610,000 | 25,104,000 | 25,731,000 |
| Risk-weighted assets | 71,023,000 | 71,406,000 | 69,083,000 | 71,792,000 |