Call reports 2004
CITIZENS NATIONAL BANK OF WOODSFIELD, THE — 2004
What CITIZENS NATIONAL BANK OF WOODSFIELD, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 56,909,000 | 56,021,000 | 56,696,000 | 57,182,000 |
| Total loans | 22,132,000 | 21,656,000 | 21,929,000 | 22,950,000 |
| Allowance for loan losses | 331,000 | 322,000 | 299,000 | 296,000 |
| Securities available for sale | 643,000 | 632,000 | 624,000 | 619,000 |
| Securities held to maturity | 20,060,000 | 25,043,000 | 24,042,000 | 24,989,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,433,000 | 48,634,000 | 49,225,000 | 49,795,000 |
| Interest-bearing deposits | 36,161,000 | 36,257,000 | 35,694,000 | 34,937,000 |
| Noninterest-bearing deposits | 13,272,000 | 12,377,000 | 13,531,000 | 14,858,000 |
| Equity capital | 7,351,000 | 7,275,000 | 7,381,000 | 7,307,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 570,000 | 1,134,000 | 1,698,000 | 2,285,000 |
| Interest expense | 67,000 | 123,000 | 178,000 | 233,000 |
| Net interest income | 503,000 | 1,011,000 | 1,520,000 | 2,052,000 |
| Noninterest income | 59,000 | 115,000 | 178,000 | 231,000 |
| Noninterest expense | 421,000 | 845,000 | 1,270,000 | 1,677,000 |
| Provision for loan losses | 6,000 | 6,000 | 6,000 | 6,000 |
| Pretax income | 135,000 | 275,000 | 422,000 | 600,000 |
| Income tax | 42,000 | 78,000 | 121,000 | 176,000 |
| Net income | 93,000 | 197,000 | 301,000 | 424,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,350,000 | 7,279,000 | 7,383,000 | 7,311,000 |
| Total capital | 7,654,000 | 7,577,000 | 7,682,000 | 7,607,000 |
| Risk-weighted assets | 24,299,000 | 23,819,000 | 24,232,000 | 25,085,000 |