Call reports 2006
CITIZENS BANK OF WINFIELD, THE — 2006
What CITIZENS BANK OF WINFIELD, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 173,688,000 | 179,608,000 | 187,131,000 | 183,518,000 |
| Total loans | 38,601,000 | 40,033,000 | 44,688,000 | 40,682,000 |
| Allowance for loan losses | 210,000 | 232,000 | 239,000 | 226,000 |
| Securities available for sale | 121,800,000 | 123,675,000 | 127,131,000 | 126,897,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,948,000 | 102,725,000 | 103,353,000 | 101,897,000 |
| Interest-bearing deposits | 90,026,000 | 91,287,000 | 91,922,000 | 90,689,000 |
| Noninterest-bearing deposits | 10,922,000 | 11,438,000 | 11,431,000 | 11,207,000 |
| Equity capital | 28,068,000 | 26,846,000 | 30,014,000 | 30,448,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,302,000 | 4,851,000 | 7,619,000 | 10,390,000 |
| Interest expense | 1,112,000 | 2,498,000 | 4,006,000 | 5,580,000 |
| Net interest income | 1,190,000 | 2,353,000 | 3,613,000 | 4,810,000 |
| Noninterest income | 151,000 | 823,000 | 985,000 | 1,177,000 |
| Noninterest expense | 723,000 | 1,449,000 | 2,166,000 | 2,878,000 |
| Provision for loan losses | 29,000 | 61,000 | 62,000 | 64,000 |
| Pretax income | 606,000 | 683,000 | 1,408,000 | 2,150,000 |
| Income tax | 45,000 | 86,000 | 79,000 | 135,000 |
| Net income | 561,000 | 597,000 | 1,329,000 | 2,015,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,021,000 | 28,057,000 | 28,790,000 | 29,475,000 |
| Total capital | 28,231,000 | 28,289,000 | 29,029,000 | 29,701,000 |
| Risk-weighted assets | 81,661,000 | 91,791,000 | 91,081,000 | 90,564,000 |