Call reports 2006
CITIZENS NATIONAL BANK OF WOODSFIELD, THE — 2006
What CITIZENS NATIONAL BANK OF WOODSFIELD, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 54,967,000 | 57,730,000 | 57,534,000 | 58,134,000 |
| Total loans | 20,080,000 | 21,037,000 | 20,205,000 | 21,186,000 |
| Allowance for loan losses | 189,000 | 202,000 | 209,000 | 235,000 |
| Securities available for sale | 586,000 | 575,000 | 575,000 | 571,000 |
| Securities held to maturity | 26,377,000 | 27,837,000 | 28,348,000 | 25,800,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,320,000 | 50,113,000 | 49,739,000 | 50,371,000 |
| Interest-bearing deposits | 32,114,000 | 34,233,000 | 36,137,000 | 35,434,000 |
| Noninterest-bearing deposits | 15,206,000 | 15,880,000 | 13,602,000 | 14,937,000 |
| Equity capital | 7,473,000 | 7,392,000 | 7,501,000 | 7,452,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 623,000 | 1,288,000 | 2,008,000 | 2,763,000 |
| Interest expense | 69,000 | 150,000 | 262,000 | 398,000 |
| Net interest income | 554,000 | 1,138,000 | 1,746,000 | 2,365,000 |
| Noninterest income | 55,000 | 105,000 | 148,000 | 218,000 |
| Noninterest expense | 438,000 | 876,000 | 1,356,000 | 1,793,000 |
| Provision for loan losses | 17,000 | 33,000 | 49,000 | 55,000 |
| Pretax income | 154,000 | 334,000 | 489,000 | 735,000 |
| Income tax | 46,000 | 101,000 | 152,000 | 228,000 |
| Net income | 108,000 | 233,000 | 337,000 | 507,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,474,000 | 7,397,000 | 7,501,000 | 7,452,000 |
| Total capital | 7,663,000 | 7,599,000 | 7,710,000 | 7,687,000 |
| Risk-weighted assets | 22,868,000 | 23,714,000 | 23,496,000 | 24,191,000 |