Call reports 2002
CITIZENS NATIONAL BANK OF WILLS POINT — 2002
What CITIZENS NATIONAL BANK OF WILLS POINT reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 61,774,000 | 62,366,000 | 64,494,000 | 64,740,000 |
| Total loans | 37,328,000 | 38,606,000 | 39,692,000 | 39,038,000 |
| Allowance for loan losses | 367,000 | 364,000 | 370,000 | 360,000 |
| Securities available for sale | 15,355,000 | 15,426,000 | 15,006,000 | 14,936,000 |
| Securities held to maturity | 2,506,000 | 2,437,000 | 1,789,000 | 2,253,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,141,000 | 56,150,000 | 57,658,000 | 57,613,000 |
| Interest-bearing deposits | 46,604,000 | 45,952,000 | 47,964,000 | 47,293,000 |
| Noninterest-bearing deposits | 9,537,000 | 10,198,000 | 9,694,000 | 10,320,000 |
| Equity capital | 5,352,000 | 5,900,000 | 6,504,000 | 6,861,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,044,000 | 2,083,000 | 3,116,000 | 4,156,000 |
| Interest expense | 364,000 | 695,000 | 1,009,000 | 1,304,000 |
| Net interest income | 680,000 | 1,388,000 | 2,107,000 | 2,852,000 |
| Noninterest income | 110,000 | 235,000 | 378,000 | 522,000 |
| Noninterest expense | 418,000 | 806,000 | 1,237,000 | 1,707,000 |
| Provision for loan losses | 3,000 | 3,000 | 3,000 | 3,000 |
| Pretax income | 369,000 | 814,000 | 1,245,000 | 1,664,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 369,000 | 814,000 | 1,245,000 | 1,664,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,014,000 | 5,204,000 | 5,474,000 | 5,894,000 |
| Total capital | 5,381,000 | 5,568,000 | 5,844,000 | 6,254,000 |
| Risk-weighted assets | 38,453,000 | 38,785,000 | 40,417,000 | 39,659,000 |
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