Call reports 2004
CITIZENS NATIONAL BANK OF WILLS POINT — 2004
What CITIZENS NATIONAL BANK OF WILLS POINT reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 72,406,000 | 73,163,000 | 72,914,000 | 74,247,000 |
| Total loans | 41,000,000 | 41,670,000 | 43,201,000 | 42,815,000 |
| Allowance for loan losses | 389,000 | 393,000 | 401,000 | 415,000 |
| Securities available for sale | 16,335,000 | 18,624,000 | 17,170,000 | 16,452,000 |
| Securities held to maturity | 3,563,000 | 2,523,000 | 2,474,000 | 2,474,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,791,000 | 64,141,000 | 64,161,000 | 63,872,000 |
| Interest-bearing deposits | 50,801,000 | 52,641,000 | 52,304,000 | 52,699,000 |
| Noninterest-bearing deposits | 11,990,000 | 11,500,000 | 11,857,000 | 11,173,000 |
| Equity capital | 7,124,000 | 6,837,000 | 7,392,000 | 7,612,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 976,000 | 1,995,000 | 2,995,000 | 4,020,000 |
| Interest expense | 212,000 | 418,000 | 623,000 | 842,000 |
| Net interest income | 764,000 | 1,577,000 | 2,372,000 | 3,178,000 |
| Noninterest income | 137,000 | 274,000 | 453,000 | 598,000 |
| Noninterest expense | 490,000 | 981,000 | 1,463,000 | 1,988,000 |
| Provision for loan losses | 15,000 | 20,000 | 20,000 | 36,000 |
| Pretax income | 396,000 | 850,000 | 1,339,000 | 1,750,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 396,000 | 850,000 | 1,339,000 | 1,750,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,214,000 | 6,456,000 | 6,785,000 | 7,196,000 |
| Total capital | 6,603,000 | 6,849,000 | 7,186,000 | 7,611,000 |
| Risk-weighted assets | 42,800,000 | 43,118,000 | 44,668,000 | 44,892,000 |
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