Call reports 2003
CITIZENS NATIONAL BANK OF WILLS POINT — 2003
What CITIZENS NATIONAL BANK OF WILLS POINT reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 68,893,000 | 70,074,000 | 71,783,000 | 70,156,000 |
| Total loans | 38,832,000 | 40,368,000 | 39,680,000 | 40,326,000 |
| Allowance for loan losses | 352,000 | 365,000 | 380,000 | 372,000 |
| Securities available for sale | 15,650,000 | 16,123,000 | 15,827,000 | 16,726,000 |
| Securities held to maturity | 2,009,000 | 2,841,000 | 3,666,000 | 3,650,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,046,000 | 62,872,000 | 62,486,000 | 60,471,000 |
| Interest-bearing deposits | 51,384,000 | 52,088,000 | 51,365,000 | 49,973,000 |
| Noninterest-bearing deposits | 10,662,000 | 10,784,000 | 11,121,000 | 10,498,000 |
| Equity capital | 6,561,000 | 6,894,000 | 6,871,000 | 7,197,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,006,000 | 2,013,000 | 3,015,000 | 4,005,000 |
| Interest expense | 271,000 | 531,000 | 759,000 | 996,000 |
| Net interest income | 735,000 | 1,482,000 | 2,256,000 | 3,009,000 |
| Noninterest income | 140,000 | 286,000 | 417,000 | 540,000 |
| Noninterest expense | 464,000 | 919,000 | 1,366,000 | 1,836,000 |
| Provision for loan losses | 0 | 10,000 | 25,000 | 40,000 |
| Pretax income | 411,000 | 839,000 | 1,282,000 | 1,673,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 411,000 | 839,000 | 1,282,000 | 1,673,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,530,000 | 5,711,000 | 6,017,000 | 6,408,000 |
| Total capital | 5,882,000 | 6,076,000 | 6,397,000 | 6,780,000 |
| Risk-weighted assets | 41,090,000 | 42,807,000 | 42,868,000 | 41,667,000 |
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