Call reports 2012
CITIZENS BANK OF WINFIELD, THE — 2012
What CITIZENS BANK OF WINFIELD, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 219,014,000 | 192,529,000 | 197,337,000 | 196,295,000 |
| Total loans | 36,437,000 | 35,958,000 | 35,673,000 | 36,677,000 |
| Allowance for loan losses | 1,791,000 | 1,878,000 | 1,527,000 | 1,521,000 |
| Securities available for sale | 161,757,000 | 130,298,000 | 133,651,000 | 135,321,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,689,000 | 129,380,000 | 132,215,000 | 133,975,000 |
| Interest-bearing deposits | 117,161,000 | 115,983,000 | 118,019,000 | 119,632,000 |
| Noninterest-bearing deposits | 12,528,000 | 13,397,000 | 14,196,000 | 14,343,000 |
| Equity capital | 45,497,000 | 45,213,000 | 46,526,000 | 44,235,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,502,000 | 4,716,000 | 6,917,000 | 9,152,000 |
| Interest expense | 730,000 | 1,174,000 | 1,615,000 | 2,059,000 |
| Net interest income | 1,772,000 | 3,542,000 | 5,302,000 | 7,093,000 |
| Noninterest income | 168,000 | 338,000 | 500,000 | 599,000 |
| Noninterest expense | 746,000 | 5,189,000 | 5,987,000 | 6,761,000 |
| Provision for loan losses | 150,000 | 300,000 | 452,000 | 606,000 |
| Pretax income | 1,044,000 | 1,953,000 | 2,925,000 | 3,887,000 |
| Income tax | 244,000 | 452,000 | 711,000 | 702,000 |
| Net income | 800,000 | 1,501,000 | 2,214,000 | 3,185,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,548,000 | 40,249,000 | 40,962,000 | 38,937,000 |
| Total capital | 40,749,000 | 41,343,000 | 42,064,000 | 40,051,000 |
| Risk-weighted assets | 95,454,000 | 86,703,000 | 87,742,000 | 88,734,000 |