Call reports 2010
CITIZENS NATIONAL BANK OF WILLS POINT — 2010
What CITIZENS NATIONAL BANK OF WILLS POINT reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 84,428,000 | 87,955,000 | 89,090,000 | 88,969,000 |
| Total loans | 51,764,000 | 53,082,000 | 52,448,000 | 54,491,000 |
| Allowance for loan losses | 623,000 | 653,000 | 684,000 | 691,000 |
| Securities available for sale | 10,543,000 | 13,095,000 | 12,809,000 | 15,266,000 |
| Securities held to maturity | 787,000 | 676,000 | 668,000 | 659,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,560,000 | 77,988,000 | 78,621,000 | 78,504,000 |
| Interest-bearing deposits | 60,983,000 | 64,109,000 | 64,811,000 | 65,581,000 |
| Noninterest-bearing deposits | 13,578,000 | 13,879,000 | 13,810,000 | 12,923,000 |
| Equity capital | 9,616,000 | 9,664,000 | 10,158,000 | 10,210,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,054,000 | 2,132,000 | 3,207,000 | 4,292,000 |
| Interest expense | 202,000 | 400,000 | 589,000 | 766,000 |
| Net interest income | 852,000 | 1,732,000 | 2,618,000 | 3,526,000 |
| Noninterest income | 183,000 | 375,000 | 559,000 | 731,000 |
| Noninterest expense | 550,000 | 1,101,000 | 1,659,000 | 2,250,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 100,000 |
| Pretax income | 455,000 | 946,000 | 1,428,000 | 1,907,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 455,000 | 946,000 | 1,428,000 | 1,907,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,290,000 | 9,418,000 | 9,724,000 | 10,203,000 |
| Total capital | 9,913,000 | 10,071,000 | 10,374,000 | 10,894,000 |
| Risk-weighted assets | 51,491,000 | 53,608,000 | 51,948,000 | 55,784,000 |