Call reports 2012
CITIZENS NATIONAL BANK OF WILLS POINT — 2012
What CITIZENS NATIONAL BANK OF WILLS POINT reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 97,672,000 | 95,583,000 | 96,451,000 | 98,626,000 |
| Total loans | 55,480,000 | 55,713,000 | 56,482,000 | 56,801,000 |
| Allowance for loan losses | 778,000 | 777,000 | 789,000 | 760,000 |
| Securities available for sale | 22,392,000 | 21,446,000 | 20,712,000 | 19,962,000 |
| Securities held to maturity | 3,031,000 | 3,352,000 | 2,964,000 | 4,358,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,734,000 | 82,192,000 | 82,496,000 | 84,414,000 |
| Interest-bearing deposits | 69,572,000 | 67,878,000 | 67,258,000 | 71,347,000 |
| Noninterest-bearing deposits | 16,162,000 | 14,314,000 | 15,238,000 | 13,067,000 |
| Equity capital | 11,250,000 | 11,529,000 | 11,972,000 | 12,391,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,067,000 | 2,111,000 | 3,157,000 | 4,191,000 |
| Interest expense | 110,000 | 214,000 | 317,000 | 422,000 |
| Net interest income | 957,000 | 1,897,000 | 2,840,000 | 3,769,000 |
| Noninterest income | 180,000 | 363,000 | 546,000 | 740,000 |
| Noninterest expense | 555,000 | 1,150,000 | 1,750,000 | 2,360,000 |
| Provision for loan losses | 28,000 | 28,000 | 43,000 | 43,000 |
| Pretax income | 554,000 | 1,082,000 | 1,593,000 | 2,106,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 554,000 | 1,082,000 | 1,593,000 | 2,106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,549,000 | 10,773,000 | 11,108,000 | 11,621,000 |
| Total capital | 11,203,000 | 11,423,000 | 11,862,000 | 12,340,000 |
| Risk-weighted assets | 57,898,000 | 59,919,000 | 60,315,000 | 62,925,000 |