Call reports 2014
CITIZENS BANK OF WINFIELD, THE — 2014
What CITIZENS BANK OF WINFIELD, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 204,896,000 | 206,475,000 | 204,781,000 | 206,169,000 |
| Total loans | 39,199,000 | 41,314,000 | 41,411,000 | 41,275,000 |
| Allowance for loan losses | 1,625,000 | 1,585,000 | 1,541,000 | 1,401,000 |
| Securities available for sale | 128,534,000 | 135,146,000 | 139,099,000 | 138,744,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,078,000 | 138,877,000 | 135,237,000 | 135,617,000 |
| Interest-bearing deposits | 126,159,000 | 124,436,000 | 122,780,000 | 123,692,000 |
| Noninterest-bearing deposits | 13,919,000 | 14,442,000 | 12,457,000 | 11,925,000 |
| Equity capital | 42,100,000 | 44,981,000 | 46,587,000 | 47,380,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,311,000 | 4,554,000 | 6,812,000 | 9,038,000 |
| Interest expense | 419,000 | 835,000 | 1,257,000 | 1,682,000 |
| Net interest income | 1,892,000 | 3,719,000 | 5,555,000 | 7,356,000 |
| Noninterest income | 180,000 | 372,000 | 439,000 | 473,000 |
| Noninterest expense | 805,000 | 1,611,000 | 2,438,000 | 3,180,000 |
| Provision for loan losses | 1,000 | 40,000 | 71,000 | 95,000 |
| Pretax income | 1,118,000 | 2,403,000 | 3,516,000 | 4,607,000 |
| Income tax | 234,000 | 582,000 | 883,000 | 977,000 |
| Net income | 884,000 | 1,821,000 | 2,633,000 | 3,630,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,261,000 | 43,198,000 | 44,010,000 | 43,822,000 |
| Total capital | 43,440,000 | 44,401,000 | 45,221,000 | 45,037,000 |
| Risk-weighted assets | 93,932,000 | 95,834,000 | 96,559,000 | 96,998,000 |