Call reports 2005
CITIZENS NATIONAL BANK OF WILLS POINT — 2005
What CITIZENS NATIONAL BANK OF WILLS POINT reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 75,569,000 | 77,459,000 | 78,496,000 | 77,605,000 |
| Total loans | 43,209,000 | 42,936,000 | 42,940,000 | 43,834,000 |
| Allowance for loan losses | 440,000 | 446,000 | 445,000 | 433,000 |
| Securities available for sale | 15,637,000 | 16,157,000 | 14,942,000 | 14,278,000 |
| Securities held to maturity | 2,422,000 | 2,346,000 | 2,303,000 | 2,291,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,784,000 | 66,436,000 | 68,201,000 | 67,045,000 |
| Interest-bearing deposits | 52,199,000 | 52,652,000 | 53,517,000 | 53,807,000 |
| Noninterest-bearing deposits | 13,585,000 | 13,784,000 | 14,684,000 | 13,238,000 |
| Equity capital | 7,007,000 | 7,224,000 | 7,416,000 | 7,691,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,000,000 | 2,036,000 | 3,088,000 | 4,190,000 |
| Interest expense | 233,000 | 492,000 | 793,000 | 1,143,000 |
| Net interest income | 767,000 | 1,544,000 | 2,295,000 | 3,047,000 |
| Noninterest income | 157,000 | 308,000 | 485,000 | 661,000 |
| Noninterest expense | 481,000 | 964,000 | 1,414,000 | 1,915,000 |
| Provision for loan losses | 12,000 | 12,000 | 12,000 | 12,000 |
| Pretax income | 431,000 | 876,000 | 1,354,000 | 1,781,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 431,000 | 876,000 | 1,354,000 | 1,781,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,861,000 | 7,028,000 | 7,315,000 | 7,742,000 |
| Total capital | 7,301,000 | 7,474,000 | 7,760,000 | 8,175,000 |
| Risk-weighted assets | 44,834,000 | 45,670,000 | 46,286,000 | 46,966,000 |
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