Call reports 2010
CITIZENS BANK OF WINFIELD, THE — 2010
What CITIZENS BANK OF WINFIELD, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 208,781,000 | 213,212,000 | 202,392,000 | 209,540,000 |
| Total loans | 45,920,000 | 45,528,000 | 44,042,000 | 41,921,000 |
| Allowance for loan losses | 2,429,000 | 2,501,000 | 1,697,000 | 1,561,000 |
| Securities available for sale | 125,075,000 | 129,558,000 | 135,509,000 | 147,855,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,587,000 | 134,311,000 | 119,337,000 | 134,495,000 |
| Interest-bearing deposits | 121,103,000 | 122,502,000 | 107,633,000 | 123,439,000 |
| Noninterest-bearing deposits | 11,484,000 | 11,809,000 | 11,704,000 | 11,056,000 |
| Equity capital | 34,281,000 | 37,222,000 | 40,249,000 | 33,436,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,662,000 | 5,230,000 | 7,799,000 | 10,460,000 |
| Interest expense | 826,000 | 1,660,000 | 2,486,000 | 3,292,000 |
| Net interest income | 1,836,000 | 3,570,000 | 5,313,000 | 7,168,000 |
| Noninterest income | 113,000 | 278,000 | 414,000 | 632,000 |
| Noninterest expense | 764,000 | 1,492,000 | 2,254,000 | 3,069,000 |
| Provision for loan losses | 475,000 | 600,000 | 804,000 | 1,141,000 |
| Pretax income | 1,107,000 | 2,342,000 | 3,255,000 | 4,176,000 |
| Income tax | 267,000 | 512,000 | 727,000 | 764,000 |
| Net income | 840,000 | 1,830,000 | 2,528,000 | 3,412,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,957,000 | 35,947,000 | 36,645,000 | 36,513,000 |
| Total capital | 36,097,000 | 37,079,000 | 37,673,000 | 37,621,000 |
| Risk-weighted assets | 89,941,000 | 89,174,000 | 81,577,000 | 88,171,000 |