Call reports 2016
CITIZENS BANK OF WINFIELD, THE — 2016
What CITIZENS BANK OF WINFIELD, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 214,739,000 | 217,739,000 | 216,611,000 | 211,915,000 |
| Total loans | 45,698,000 | 46,428,000 | 46,923,000 | 48,410,000 |
| Allowance for loan losses | 1,391,000 | 1,475,000 | 1,555,000 | 1,486,000 |
| Securities available for sale | 149,463,000 | 156,554,000 | 152,675,000 | 147,569,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,428,000 | 141,687,000 | 140,592,000 | 144,828,000 |
| Interest-bearing deposits | 127,195,000 | 127,887,000 | 125,883,000 | 129,736,000 |
| Noninterest-bearing deposits | 14,233,000 | 13,800,000 | 14,709,000 | 15,092,000 |
| Equity capital | 49,849,000 | 51,985,000 | 52,248,000 | 48,095,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,382,000 | 4,759,000 | 7,206,000 | 9,608,000 |
| Interest expense | 434,000 | 875,000 | 1,321,000 | 1,768,000 |
| Net interest income | 1,948,000 | 3,884,000 | 5,885,000 | 7,840,000 |
| Noninterest income | 234,000 | 448,000 | 690,000 | 848,000 |
| Noninterest expense | 837,000 | 1,681,000 | 2,541,000 | 3,388,000 |
| Provision for loan losses | 150,000 | 303,000 | 505,000 | 689,000 |
| Pretax income | 1,204,000 | 2,357,000 | 3,538,000 | 4,620,000 |
| Income tax | 264,000 | 554,000 | 852,000 | 863,000 |
| Net income | 940,000 | 1,803,000 | 2,686,000 | 3,757,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,067,000 | 46,916,000 | 47,799,000 | 47,324,000 |
| Total capital | 47,331,000 | 48,236,000 | 49,128,000 | 48,688,000 |
| Risk-weighted assets | 101,005,000 | 105,496,000 | 106,095,000 | 109,010,000 |