Call reports 2004
CITIZENS BANK OF WINFIELD, THE — 2004
What CITIZENS BANK OF WINFIELD, THE 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 | 149,849,000 | 150,566,000 | 150,198,000 | 148,451,000 |
| Total loans | 32,163,000 | 33,268,000 | 33,147,000 | 33,279,000 |
| Allowance for loan losses | 239,000 | 208,000 | 183,000 | 201,000 |
| Securities available for sale | 96,230,000 | 106,878,000 | 105,524,000 | 103,469,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,843,000 | 94,902,000 | 95,882,000 | 94,876,000 |
| Interest-bearing deposits | 87,211,000 | 87,095,000 | 87,310,000 | 86,871,000 |
| Noninterest-bearing deposits | 8,632,000 | 7,807,000 | 8,572,000 | 8,005,000 |
| Equity capital | 28,394,000 | 26,076,000 | 28,498,000 | 28,869,000 |
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 | 1,927,000 | 3,937,000 | 5,974,000 | 7,916,000 |
| Interest expense | 626,000 | 1,245,000 | 1,904,000 | 2,568,000 |
| Net interest income | 1,301,000 | 2,692,000 | 4,070,000 | 5,348,000 |
| Noninterest income | 97,000 | 229,000 | 354,000 | 502,000 |
| Noninterest expense | 619,000 | 1,251,000 | 1,861,000 | 2,515,000 |
| Provision for loan losses | 38,000 | 76,000 | 113,000 | 156,000 |
| Pretax income | 701,000 | 1,554,000 | 2,503,000 | 3,038,000 |
| Income tax | 153,000 | 322,000 | 494,000 | 486,000 |
| Net income | 548,000 | 1,232,000 | 2,009,000 | 2,552,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,548,000 | 25,779,000 | 26,556,000 | 27,099,000 |
| Total capital | 25,787,000 | 25,987,000 | 26,739,000 | 27,300,000 |
| Risk-weighted assets | 66,664,000 | 77,048,000 | 68,774,000 | 75,481,000 |