Call reports 2011
CITIZENS NATIONAL BANK OF WILLS POINT — 2011
What CITIZENS NATIONAL BANK OF WILLS POINT reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 95,256,000 | 94,957,000 | 98,245,000 | 97,458,000 |
| Total loans | 55,075,000 | 55,945,000 | 54,602,000 | 55,197,000 |
| Allowance for loan losses | 691,000 | 691,000 | 686,000 | 747,000 |
| Securities available for sale | 15,971,000 | 19,473,000 | 20,688,000 | 23,090,000 |
| Securities held to maturity | 647,000 | 635,000 | 610,000 | 526,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,858,000 | 84,088,000 | 86,609,000 | 85,394,000 |
| Interest-bearing deposits | 69,083,000 | 69,491,000 | 69,831,000 | 69,755,000 |
| Noninterest-bearing deposits | 15,775,000 | 14,597,000 | 16,778,000 | 15,639,000 |
| Equity capital | 10,087,000 | 10,547,000 | 11,246,000 | 11,686,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,074,000 | 2,164,000 | 3,240,000 | 4,304,000 |
| Interest expense | 164,000 | 313,000 | 443,000 | 568,000 |
| Net interest income | 910,000 | 1,851,000 | 2,797,000 | 3,736,000 |
| Noninterest income | 164,000 | 338,000 | 526,000 | 718,000 |
| Noninterest expense | 603,000 | 1,238,000 | 1,819,000 | 2,452,000 |
| Provision for loan losses | 0 | 0 | 5,000 | 70,000 |
| Pretax income | 471,000 | 951,000 | 1,499,000 | 1,932,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 471,000 | 951,000 | 1,499,000 | 1,932,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,976,000 | 10,125,000 | 10,490,000 | 10,923,000 |
| Total capital | 10,640,000 | 10,816,000 | 11,176,000 | 11,553,000 |
| Risk-weighted assets | 52,987,000 | 55,533,000 | 56,987,000 | 56,294,000 |