Call reports 2009
CITIZENS NATIONAL BANK OF WILLS POINT — 2009
What CITIZENS NATIONAL BANK OF WILLS POINT reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 83,101,000 | 83,330,000 | 80,395,000 | 81,168,000 |
| Total loans | 51,630,000 | 51,330,000 | 50,797,000 | 50,655,000 |
| Allowance for loan losses | 525,000 | 536,000 | 565,000 | 591,000 |
| Securities available for sale | 12,643,000 | 11,501,000 | 10,351,000 | 11,687,000 |
| Securities held to maturity | 817,000 | 809,000 | 801,000 | 793,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,192,000 | 73,734,000 | 70,502,000 | 70,965,000 |
| Interest-bearing deposits | 60,714,000 | 60,703,000 | 57,387,000 | 58,894,000 |
| Noninterest-bearing deposits | 12,478,000 | 13,031,000 | 13,115,000 | 12,071,000 |
| Equity capital | 9,119,000 | 9,278,000 | 9,563,000 | 9,906,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,132,000 | 2,261,000 | 3,369,000 | 4,435,000 |
| Interest expense | 307,000 | 595,000 | 854,000 | 1,079,000 |
| Net interest income | 825,000 | 1,666,000 | 2,515,000 | 3,356,000 |
| Noninterest income | 139,000 | 321,000 | 494,000 | 684,000 |
| Noninterest expense | 519,000 | 1,032,000 | 1,570,000 | 2,131,000 |
| Provision for loan losses | 15,000 | 30,000 | 55,000 | 85,000 |
| Pretax income | 430,000 | 925,000 | 1,384,000 | 1,824,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 430,000 | 925,000 | 1,384,000 | 1,824,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,618,000 | 8,817,000 | 9,095,000 | 9,535,000 |
| Total capital | 9,143,000 | 9,353,000 | 9,660,000 | 10,126,000 |
| Risk-weighted assets | 50,354,000 | 50,647,000 | 46,869,000 | 50,548,000 |
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