Call reports 2005
CITIZENS BANK OF WINFIELD, THE — 2005
What CITIZENS BANK OF WINFIELD, THE 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 | 148,407,000 | 150,620,000 | 155,587,000 | 162,479,000 |
| Total loans | 32,837,000 | 33,879,000 | 35,017,000 | 36,821,000 |
| Allowance for loan losses | 223,000 | 259,000 | 256,000 | 204,000 |
| Securities available for sale | 104,174,000 | 105,167,000 | 108,920,000 | 113,143,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,624,000 | 95,994,000 | 95,279,000 | 97,761,000 |
| Interest-bearing deposits | 87,545,000 | 86,900,000 | 85,640,000 | 86,888,000 |
| Noninterest-bearing deposits | 9,079,000 | 9,094,000 | 9,639,000 | 10,874,000 |
| Equity capital | 27,608,000 | 29,585,000 | 29,337,000 | 29,103,000 |
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 | 1,955,000 | 3,968,000 | 6,053,000 | 8,218,000 |
| Interest expense | 711,000 | 1,478,000 | 2,335,000 | 3,318,000 |
| Net interest income | 1,244,000 | 2,490,000 | 3,718,000 | 4,900,000 |
| Noninterest income | 132,000 | 280,000 | 428,000 | 593,000 |
| Noninterest expense | 632,000 | 1,273,000 | 2,077,000 | 2,952,000 |
| Provision for loan losses | 38,000 | 64,000 | 69,000 | 69,000 |
| Pretax income | 384,000 | 1,112,000 | 1,719,000 | 2,216,000 |
| Income tax | 93,000 | 228,000 | 318,000 | 187,000 |
| Net income | 291,000 | 884,000 | 1,401,000 | 2,029,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,828,000 | 27,421,000 | 27,938,000 | 28,566,000 |
| Total capital | 27,051,000 | 27,680,000 | 28,194,000 | 28,770,000 |
| Risk-weighted assets | 69,927,000 | 76,050,000 | 79,830,000 | 84,282,000 |