Call reports 2003
CITIZENS NATIONAL BANK OF WOODSFIELD, THE — 2003
What CITIZENS NATIONAL BANK OF WOODSFIELD, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 58,339,000 | 59,072,000 | 58,014,000 | 57,119,000 |
| Total loans | 22,185,000 | 22,305,000 | 21,894,000 | 22,571,000 |
| Allowance for loan losses | 320,000 | 321,000 | 316,000 | 324,000 |
| Securities available for sale | 748,000 | 672,000 | 657,000 | 650,000 |
| Securities held to maturity | 22,672,000 | 22,125,000 | 21,627,000 | 25,535,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,807,000 | 51,635,000 | 50,557,000 | 49,767,000 |
| Interest-bearing deposits | 38,484,000 | 37,869,000 | 37,876,000 | 36,821,000 |
| Noninterest-bearing deposits | 12,323,000 | 13,766,000 | 12,681,000 | 12,946,000 |
| Equity capital | 7,364,000 | 7,276,000 | 7,348,000 | 7,256,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 659,000 | 1,280,000 | 1,868,000 | 2,460,000 |
| Interest expense | 107,000 | 209,000 | 302,000 | 381,000 |
| Net interest income | 552,000 | 1,071,000 | 1,566,000 | 2,079,000 |
| Noninterest income | 55,000 | 113,000 | 164,000 | 214,000 |
| Noninterest expense | 409,000 | 818,000 | 1,266,000 | 1,715,000 |
| Provision for loan losses | 6,000 | 12,000 | 12,000 | 12,000 |
| Pretax income | 192,000 | 418,000 | 516,000 | 630,000 |
| Income tax | 56,000 | 126,000 | 152,000 | 185,000 |
| Net income | 136,000 | 292,000 | 364,000 | 445,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,322,000 | 7,277,000 | 7,349,000 | 7,258,000 |
| Total capital | 7,658,000 | 7,584,000 | 7,651,000 | 7,565,000 |
| Risk-weighted assets | 24,569,000 | 24,548,000 | 24,178,000 | 24,535,000 |
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