Call reports 2016
CITIZENS NATIONAL BANK OF WILLS POINT — 2016
What CITIZENS NATIONAL BANK OF WILLS POINT reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 |
|---|---|---|---|
| Total assets | 136,536,000 | 138,531,000 | 152,093,000 |
| Total loans | 76,110,000 | 78,352,000 | 81,689,000 |
| Allowance for loan losses | 778,000 | 775,000 | 775,000 |
| Securities available for sale | 19,981,000 | 37,370,000 | 35,651,000 |
| Securities held to maturity | 17,155,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 121,700,000 | 122,739,000 | 137,413,000 |
| Interest-bearing deposits | 97,941,000 | 97,727,000 | 108,200,000 |
| Noninterest-bearing deposits | 23,759,000 | 25,012,000 | 29,213,000 |
| Equity capital | 14,517,000 | 15,376,000 | 14,202,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 |
|---|---|---|---|
| Interest income | 1,264,000 | 2,553,000 | 3,864,000 |
| Interest expense | 144,000 | 288,000 | 437,000 |
| Net interest income | 1,120,000 | 2,265,000 | 3,427,000 |
| Noninterest income | 184,000 | 367,000 | 565,000 |
| Noninterest expense | 718,000 | 1,514,000 | 3,499,000 |
| Provision for loan losses | 0 | 0 | 0 |
| Pretax income | 586,000 | 1,118,000 | 493,000 |
| Income tax | 0 | 0 | 0 |
| Net income | 586,000 | 1,118,000 | 493,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 |
|---|---|---|---|
| Tier 1 capital | 14,119,000 | 14,402,000 | 13,431,000 |
| Total capital | 14,897,000 | 15,177,000 | 14,206,000 |
| Risk-weighted assets | 78,638,000 | 80,276,000 | 94,812,000 |