Call reports 2006
CITIZENS NATIONAL BANK OF WILLS POINT — 2006
What CITIZENS NATIONAL BANK OF WILLS POINT reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 78,802,000 | 78,510,000 | 79,706,000 | 79,426,000 |
| Total loans | 44,447,000 | 44,256,000 | 45,229,000 | 45,048,000 |
| Allowance for loan losses | 443,000 | 444,000 | 458,000 | 408,000 |
| Securities available for sale | 13,276,000 | 14,688,000 | 14,870,000 | 15,667,000 |
| Securities held to maturity | 2,133,000 | 1,889,000 | 1,914,000 | 1,905,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,694,000 | 68,855,000 | 69,576,000 | 69,480,000 |
| Interest-bearing deposits | 55,434,000 | 56,041,000 | 57,161,000 | 55,909,000 |
| Noninterest-bearing deposits | 13,260,000 | 12,814,000 | 12,415,000 | 13,571,000 |
| Equity capital | 7,240,000 | 7,290,000 | 7,722,000 | 8,065,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,088,000 | 2,198,000 | 3,365,000 | 4,551,000 |
| Interest expense | 393,000 | 840,000 | 1,346,000 | 1,870,000 |
| Net interest income | 695,000 | 1,358,000 | 2,019,000 | 2,681,000 |
| Noninterest income | 170,000 | 336,000 | 540,000 | 691,000 |
| Noninterest expense | 516,000 | 1,015,000 | 1,456,000 | 1,942,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 349,000 | 679,000 | 1,103,000 | 1,430,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 349,000 | 679,000 | 1,103,000 | 1,430,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,336,000 | 7,471,000 | 7,766,000 | 8,094,000 |
| Total capital | 7,779,000 | 7,915,000 | 8,224,000 | 8,502,000 |
| Risk-weighted assets | 47,214,000 | 47,058,000 | 47,970,000 | 48,933,000 |
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