Call reports 2007
CITIZENS NATIONAL BANK OF WILLS POINT — 2007
What CITIZENS NATIONAL BANK OF WILLS POINT reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 79,239,000 | 79,736,000 | 82,718,000 | 79,177,000 |
| Total loans | 46,456,000 | 47,023,000 | 48,311,000 | 50,357,000 |
| Allowance for loan losses | 410,000 | 436,000 | 438,000 | 463,000 |
| Securities available for sale | 14,501,000 | 18,498,000 | 17,963,000 | 17,145,000 |
| Securities held to maturity | 1,466,000 | 1,459,000 | 1,351,000 | 1,340,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,685,000 | 70,586,000 | 71,674,000 | 69,425,000 |
| Interest-bearing deposits | 55,660,000 | 57,094,000 | 57,996,000 | 57,227,000 |
| Noninterest-bearing deposits | 14,025,000 | 13,492,000 | 13,678,000 | 12,198,000 |
| Equity capital | 7,709,000 | 7,663,000 | 8,138,000 | 8,678,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,176,000 | 2,394,000 | 3,618,000 | 4,884,000 |
| Interest expense | 521,000 | 1,045,000 | 1,577,000 | 2,132,000 |
| Net interest income | 655,000 | 1,349,000 | 2,041,000 | 2,752,000 |
| Noninterest income | 136,000 | 269,000 | 404,000 | 534,000 |
| Noninterest expense | 498,000 | 986,000 | 1,479,000 | 2,010,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 293,000 | 632,000 | 966,000 | 1,276,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 293,000 | 632,000 | 966,000 | 1,276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,716,000 | 7,806,000 | 8,053,000 | 8,400,000 |
| Total capital | 8,126,000 | 8,242,000 | 8,491,000 | 8,863,000 |
| Risk-weighted assets | 48,701,000 | 49,955,000 | 46,320,000 | 50,791,000 |
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