Call reports 2013
CITIZENS NATIONAL BANK OF WILLS POINT — 2013
What CITIZENS NATIONAL BANK OF WILLS POINT reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 102,019,000 | 101,356,000 | 101,303,000 | 105,183,000 |
| Total loans | 57,242,000 | 58,276,000 | 58,643,000 | 59,258,000 |
| Allowance for loan losses | 763,000 | 765,000 | 760,000 | 775,000 |
| Securities available for sale | 19,094,000 | 17,790,000 | 17,178,000 | 18,853,000 |
| Securities held to maturity | 5,336,000 | 8,730,000 | 10,824,000 | 11,285,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,027,000 | 89,119,000 | 88,397,000 | 92,009,000 |
| Interest-bearing deposits | 73,442,000 | 74,099,000 | 73,289,000 | 76,924,000 |
| Noninterest-bearing deposits | 14,585,000 | 15,020,000 | 15,108,000 | 15,085,000 |
| Equity capital | 12,132,000 | 11,898,000 | 12,375,000 | 12,793,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,016,000 | 2,044,000 | 3,080,000 | 4,134,000 |
| Interest expense | 112,000 | 222,000 | 343,000 | 452,000 |
| Net interest income | 904,000 | 1,822,000 | 2,737,000 | 3,682,000 |
| Noninterest income | 188,000 | 376,000 | 576,000 | 771,000 |
| Noninterest expense | 588,000 | 1,174,000 | 1,759,000 | 2,443,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 504,000 | 1,024,000 | 1,554,000 | 2,010,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 504,000 | 1,024,000 | 1,554,000 | 2,010,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,391,000 | 11,600,000 | 11,981,000 | 12,436,000 |
| Total capital | 12,142,000 | 12,347,000 | 12,732,000 | 13,204,000 |
| Risk-weighted assets | 61,542,000 | 65,326,000 | 63,987,000 | 65,501,000 |