Call reports 2015
CITIZENS BANK OF WINFIELD, THE — 2015
What CITIZENS BANK OF WINFIELD, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 208,662,000 | 207,269,000 | 208,929,000 | 212,867,000 |
| Total loans | 41,953,000 | 44,266,000 | 45,869,000 | 45,907,000 |
| Allowance for loan losses | 1,528,000 | 1,587,000 | 1,617,000 | 1,309,000 |
| Securities available for sale | 141,446,000 | 142,845,000 | 146,435,000 | 150,909,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,759,000 | 137,851,000 | 137,187,000 | 141,897,000 |
| Interest-bearing deposits | 123,660,000 | 124,448,000 | 123,724,000 | 126,348,000 |
| Noninterest-bearing deposits | 13,099,000 | 13,403,000 | 13,463,000 | 15,550,000 |
| Equity capital | 48,064,000 | 46,888,000 | 48,525,000 | 48,234,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,214,000 | 4,488,000 | 6,796,000 | 9,143,000 |
| Interest expense | 418,000 | 840,000 | 1,271,000 | 1,703,000 |
| Net interest income | 1,796,000 | 3,648,000 | 5,525,000 | 7,440,000 |
| Noninterest income | 298,000 | 490,000 | 669,000 | 776,000 |
| Noninterest expense | 831,000 | 1,651,000 | 2,470,000 | 3,284,000 |
| Provision for loan losses | 150,000 | 301,000 | 453,000 | 664,000 |
| Pretax income | 1,113,000 | 2,186,000 | 3,271,000 | 4,268,000 |
| Income tax | 253,000 | 541,000 | 801,000 | 792,000 |
| Net income | 860,000 | 1,645,000 | 2,470,000 | 3,476,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,805,000 | 44,591,000 | 45,415,000 | 45,145,000 |
| Total capital | 45,298,000 | 45,989,000 | 46,660,000 | 46,414,000 |
| Risk-weighted assets | 119,445,000 | 111,708,000 | 99,262,000 | 101,482,000 |