Call reports 2014
CITIZENS NATIONAL BANK OF WILLS POINT — 2014
What CITIZENS NATIONAL BANK OF WILLS POINT reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 107,755,000 | 111,534,000 | 112,832,000 | 117,789,000 |
| Total loans | 60,931,000 | 64,128,000 | 64,757,000 | 66,142,000 |
| Allowance for loan losses | 773,000 | 771,000 | 767,000 | 757,000 |
| Securities available for sale | 18,048,000 | 17,498,000 | 16,234,000 | 15,836,000 |
| Securities held to maturity | 11,589,000 | 12,052,000 | 12,762,000 | 18,751,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,857,000 | 98,218,000 | 99,184,000 | 103,936,000 |
| Interest-bearing deposits | 77,942,000 | 80,736,000 | 80,632,000 | 84,878,000 |
| Noninterest-bearing deposits | 16,915,000 | 17,482,000 | 18,552,000 | 19,058,000 |
| Equity capital | 12,570,000 | 12,864,000 | 13,175,000 | 13,577,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,056,000 | 2,142,000 | 3,249,000 | 4,370,000 |
| Interest expense | 115,000 | 234,000 | 359,000 | 490,000 |
| Net interest income | 941,000 | 1,908,000 | 2,890,000 | 3,880,000 |
| Noninterest income | 173,000 | 362,000 | 569,000 | 719,000 |
| Noninterest expense | 610,000 | 1,305,000 | 1,980,000 | 2,665,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 504,000 | 965,000 | 1,479,000 | 1,934,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 504,000 | 965,000 | 1,479,000 | 1,934,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,156,000 | 12,371,000 | 12,699,000 | 13,140,000 |
| Total capital | 12,929,000 | 13,142,000 | 13,466,000 | 13,779,000 |
| Risk-weighted assets | 68,527,000 | 71,329,000 | 71,831,000 | 68,929,000 |