Call reports 2002
CITIZENS NATIONAL BANK OF WOODSFIELD, THE — 2002
What CITIZENS NATIONAL BANK OF WOODSFIELD, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 56,195,000 | 58,752,000 | 57,174,000 | 57,474,000 |
| Total loans | 21,205,000 | 21,685,000 | 21,816,000 | 22,318,000 |
| Allowance for loan losses | 316,000 | 329,000 | 329,000 | 317,000 |
| Securities available for sale | 883,000 | 809,000 | 787,000 | 252,000 |
| Securities held to maturity | 23,993,000 | 22,980,000 | 23,465,000 | 24,664,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,580,000 | 51,268,000 | 49,581,000 | 50,114,000 |
| Interest-bearing deposits | 36,760,000 | 37,669,000 | 36,999,000 | 37,136,000 |
| Noninterest-bearing deposits | 11,820,000 | 13,599,000 | 12,582,000 | 12,978,000 |
| Equity capital | 7,363,000 | 7,303,000 | 7,444,000 | 7,226,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 768,000 | 1,518,000 | 2,237,000 | 2,940,000 |
| Interest expense | 152,000 | 296,000 | 420,000 | 533,000 |
| Net interest income | 616,000 | 1,222,000 | 1,817,000 | 2,407,000 |
| Noninterest income | 48,000 | 93,000 | 145,000 | 190,000 |
| Noninterest expense | 427,000 | 879,000 | 1,314,000 | 1,814,000 |
| Provision for loan losses | 8,000 | 16,000 | 24,000 | 32,000 |
| Pretax income | 229,000 | 481,000 | 685,000 | 812,000 |
| Income tax | 70,000 | 148,000 | 210,000 | 246,000 |
| Net income | 159,000 | 333,000 | 475,000 | 566,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,293,000 | 7,259,000 | 7,400,000 | 7,186,000 |
| Total capital | 7,629,000 | 7,588,000 | 7,721,000 | 7,518,000 |
| Risk-weighted assets | 22,855,000 | 23,943,000 | 23,293,000 | 24,359,000 |
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