Call reports 2013
CITIZENS BANK OF WINFIELD, THE — 2013
What CITIZENS BANK OF WINFIELD, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 197,556,000 | 193,560,000 | 191,800,000 | 198,357,000 |
| Total loans | 36,225,000 | 36,042,000 | 36,276,000 | 38,448,000 |
| Allowance for loan losses | 1,654,000 | 1,747,000 | 1,853,000 | 1,638,000 |
| Securities available for sale | 142,838,000 | 137,514,000 | 138,291,000 | 139,286,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,848,000 | 136,879,000 | 134,603,000 | 136,795,000 |
| Interest-bearing deposits | 122,720,000 | 123,194,000 | 121,586,000 | 124,356,000 |
| Noninterest-bearing deposits | 12,128,000 | 13,685,000 | 13,017,000 | 12,439,000 |
| Equity capital | 44,629,000 | 40,170,000 | 40,586,000 | 39,097,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,222,000 | 4,456,000 | 6,791,000 | 9,118,000 |
| Interest expense | 441,000 | 883,000 | 1,306,000 | 1,722,000 |
| Net interest income | 1,781,000 | 3,573,000 | 5,485,000 | 7,396,000 |
| Noninterest income | 174,000 | 251,000 | 398,000 | 423,000 |
| Noninterest expense | 785,000 | 1,574,000 | 2,378,000 | 3,205,000 |
| Provision for loan losses | 150,000 | 300,000 | 452,000 | 454,000 |
| Pretax income | 1,020,000 | 2,451,000 | 3,554,000 | 4,661,000 |
| Income tax | 228,000 | 536,000 | 809,000 | 932,000 |
| Net income | 792,000 | 1,915,000 | 2,745,000 | 3,729,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,730,000 | 40,852,000 | 41,681,000 | 41,474,000 |
| Total capital | 40,822,000 | 42,047,000 | 42,885,000 | 42,727,000 |
| Risk-weighted assets | 91,246,000 | 95,010,000 | 95,707,000 | 99,838,000 |