Call reports 2005
CITIZENS NATIONAL BANK OF WOODSFIELD, THE — 2005
What CITIZENS NATIONAL BANK OF WOODSFIELD, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 57,226,000 | 57,071,000 | 56,133,000 | 55,752,000 |
| Total loans | 21,462,000 | 21,303,000 | 21,357,000 | 21,694,000 |
| Allowance for loan losses | 214,000 | 211,000 | 186,000 | 177,000 |
| Securities available for sale | 612,000 | 603,000 | 588,000 | 83,000 |
| Securities held to maturity | 26,464,000 | 26,940,000 | 26,936,000 | 26,874,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,673,000 | 49,626,000 | 48,557,000 | 48,277,000 |
| Interest-bearing deposits | 35,547,000 | 34,531,000 | 33,129,000 | 31,644,000 |
| Noninterest-bearing deposits | 14,126,000 | 15,095,000 | 15,428,000 | 16,633,000 |
| Equity capital | 7,411,000 | 7,333,000 | 7,456,000 | 7,365,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 580,000 | 1,189,000 | 1,823,000 | 2,455,000 |
| Interest expense | 56,000 | 115,000 | 177,000 | 242,000 |
| Net interest income | 524,000 | 1,074,000 | 1,646,000 | 2,213,000 |
| Noninterest income | 56,000 | 114,000 | 170,000 | 220,000 |
| Noninterest expense | 427,000 | 860,000 | 1,298,000 | 1,725,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 144,000 | 310,000 | 491,000 | 672,000 |
| Income tax | 41,000 | 91,000 | 150,000 | 204,000 |
| Net income | 103,000 | 219,000 | 341,000 | 468,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,414,000 | 7,335,000 | 7,457,000 | 7,365,000 |
| Total capital | 7,628,000 | 7,546,000 | 7,643,000 | 7,542,000 |
| Risk-weighted assets | 24,494,000 | 24,310,000 | 24,074,000 | 24,081,000 |
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