Call reports 2009
CITIZENS BANK OF WINFIELD, THE — 2009
What CITIZENS BANK OF WINFIELD, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 197,936,000 | 201,546,000 | 207,430,000 | 205,602,000 |
| Total loans | 47,745,000 | 50,747,000 | 48,222,000 | 47,355,000 |
| Allowance for loan losses | 428,000 | 560,000 | 826,000 | 2,347,000 |
| Securities available for sale | 132,923,000 | 135,024,000 | 145,484,000 | 129,417,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,800,000 | 125,301,000 | 127,946,000 | 129,790,000 |
| Interest-bearing deposits | 112,531,000 | 114,343,000 | 117,022,000 | 119,062,000 |
| Noninterest-bearing deposits | 11,269,000 | 10,958,000 | 10,924,000 | 10,728,000 |
| Equity capital | 31,352,000 | 32,790,000 | 36,096,000 | 33,758,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,077,000 | 5,917,000 | 8,711,000 | 11,310,000 |
| Interest expense | 923,000 | 1,830,000 | 2,713,000 | 3,575,000 |
| Net interest income | 2,154,000 | 4,087,000 | 5,998,000 | 7,735,000 |
| Noninterest income | 121,000 | 304,000 | 436,000 | 603,000 |
| Noninterest expense | 699,000 | 1,511,000 | 2,237,000 | 2,956,000 |
| Provision for loan losses | 75,000 | 260,000 | 605,000 | 2,669,000 |
| Pretax income | 1,960,000 | 3,600,000 | 3,363,000 | 3,148,000 |
| Income tax | 381,000 | 873,000 | 849,000 | 399,000 |
| Net income | 1,579,000 | 2,727,000 | 2,514,000 | 2,749,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,816,000 | 34,965,000 | 34,752,000 | 34,877,000 |
| Total capital | 34,244,000 | 35,525,000 | 35,578,000 | 36,187,000 |
| Risk-weighted assets | 103,112,000 | 103,626,000 | 103,135,000 | 103,787,000 |