Call reports 2007
CITIZENS BANK OF WINFIELD, THE — 2007
What CITIZENS BANK OF WINFIELD, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 188,859,000 | 193,250,000 | 203,365,000 | 203,898,000 |
| Total loans | 41,098,000 | 44,447,000 | 45,295,000 | 45,371,000 |
| Allowance for loan losses | 211,000 | 207,000 | 199,000 | 201,000 |
| Securities available for sale | 132,809,000 | 133,663,000 | 142,530,000 | 143,066,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,728,000 | 106,105,000 | 106,412,000 | 102,557,000 |
| Interest-bearing deposits | 92,544,000 | 94,548,000 | 96,073,000 | 92,782,000 |
| Noninterest-bearing deposits | 13,185,000 | 11,557,000 | 10,339,000 | 9,775,000 |
| Equity capital | 30,125,000 | 28,676,000 | 30,622,000 | 32,708,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,731,000 | 5,655,000 | 8,781,000 | 11,921,000 |
| Interest expense | 1,561,000 | 3,243,000 | 5,057,000 | 6,755,000 |
| Net interest income | 1,170,000 | 2,412,000 | 3,724,000 | 5,166,000 |
| Noninterest income | 149,000 | 351,000 | 522,000 | 704,000 |
| Noninterest expense | 711,000 | 1,430,000 | 2,145,000 | 2,875,000 |
| Provision for loan losses | 17,000 | 32,000 | 80,000 | 133,000 |
| Pretax income | 591,000 | 690,000 | 1,497,000 | 2,350,000 |
| Income tax | 88,000 | 108,000 | 192,000 | 242,000 |
| Net income | 503,000 | 582,000 | 1,305,000 | 2,108,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,034,000 | 29,113,000 | 29,837,000 | 30,639,000 |
| Total capital | 29,245,000 | 29,320,000 | 30,036,000 | 30,840,000 |
| Risk-weighted assets | 110,133,000 | 101,216,000 | 98,536,000 | 99,968,000 |