Call reports 2015
CITIZENS NATIONAL BANK OF WILLS POINT — 2015
What CITIZENS NATIONAL BANK OF WILLS POINT reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 123,538,000 | 125,329,000 | 128,536,000 | 133,399,000 |
| Total loans | 68,206,000 | 72,033,000 | 73,393,000 | 74,922,000 |
| Allowance for loan losses | 759,000 | 763,000 | 780,000 | 777,000 |
| Securities available for sale | 18,970,000 | 24,146,000 | 21,121,000 | 21,233,000 |
| Securities held to maturity | 18,952,000 | 17,911,000 | 17,862,000 | 17,810,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,966,000 | 111,462,000 | 114,135,000 | 118,650,000 |
| Interest-bearing deposits | 88,390,000 | 91,169,000 | 91,225,000 | 96,129,000 |
| Noninterest-bearing deposits | 21,576,000 | 20,293,000 | 22,910,000 | 22,521,000 |
| Equity capital | 13,363,000 | 13,574,000 | 14,051,000 | 14,591,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,133,000 | 2,330,000 | 3,581,000 | 4,840,000 |
| Interest expense | 134,000 | 269,000 | 405,000 | 545,000 |
| Net interest income | 999,000 | 2,061,000 | 3,176,000 | 4,295,000 |
| Noninterest income | 164,000 | 346,000 | 537,000 | 729,000 |
| Noninterest expense | 700,000 | 1,405,000 | 2,091,000 | 2,809,000 |
| Provision for loan losses | 0 | 8,000 | 28,000 | 27,000 |
| Pretax income | 463,000 | 994,000 | 1,594,000 | 2,188,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 463,000 | 994,000 | 1,594,000 | 2,188,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,877,000 | 13,269,000 | 13,658,000 | 14,253,000 |
| Total capital | 13,636,000 | 14,031,000 | 14,438,000 | 15,030,000 |
| Risk-weighted assets | 70,386,000 | 68,983,000 | 70,568,000 | 73,575,000 |