Call reports 2008
CITIZENS BANK OF WINFIELD, THE — 2008
What CITIZENS BANK OF WINFIELD, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 209,086,000 | 206,537,000 | 205,389,000 | 199,094,000 |
| Total loans | 44,297,000 | 48,792,000 | 50,418,000 | 48,732,000 |
| Allowance for loan losses | 189,000 | 232,000 | 308,000 | 402,000 |
| Securities available for sale | 146,660,000 | 141,837,000 | 137,594,000 | 134,898,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,458,000 | 103,570,000 | 104,604,000 | 105,528,000 |
| Interest-bearing deposits | 94,521,000 | 92,991,000 | 93,573,000 | 94,698,000 |
| Noninterest-bearing deposits | 10,937,000 | 10,579,000 | 11,031,000 | 10,830,000 |
| Equity capital | 32,977,000 | 31,951,000 | 30,951,000 | 33,470,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,076,000 | 6,186,000 | 9,233,000 | 12,185,000 |
| Interest expense | 1,427,000 | 2,654,000 | 3,818,000 | 4,851,000 |
| Net interest income | 1,649,000 | 3,532,000 | 5,415,000 | 7,334,000 |
| Noninterest income | 161,000 | 375,000 | 589,000 | 675,000 |
| Noninterest expense | 697,000 | 1,444,000 | 2,107,000 | 2,889,000 |
| Provision for loan losses | 54,000 | 130,000 | 228,000 | 515,000 |
| Pretax income | 1,059,000 | 2,333,000 | 3,883,000 | 4,825,000 |
| Income tax | 276,000 | 642,000 | 1,023,000 | 1,201,000 |
| Net income | 783,000 | 1,691,000 | 2,860,000 | 3,624,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,463,000 | 31,369,000 | 32,539,000 | 33,304,000 |
| Total capital | 30,652,000 | 31,601,000 | 32,847,000 | 33,706,000 |
| Risk-weighted assets | 97,304,000 | 109,649,000 | 106,873,000 | 99,079,000 |