Call reports 2007
CITIZENS NATIONAL BANK OF WOODSFIELD, THE — 2007
What CITIZENS NATIONAL BANK OF WOODSFIELD, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 53,819,000 | 52,986,000 | 50,691,000 | 52,346,000 |
| Total loans | 19,781,000 | 20,215,000 | 20,148,000 | 22,347,000 |
| Allowance for loan losses | 249,000 | 210,000 | 213,000 | 212,000 |
| Securities available for sale | 568,000 | 558,000 | 560,000 | 559,000 |
| Securities held to maturity | 26,803,000 | 25,288,000 | 22,798,000 | 22,246,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,015,000 | 45,314,000 | 42,972,000 | 44,797,000 |
| Interest-bearing deposits | 32,068,000 | 30,627,000 | 30,448,000 | 30,170,000 |
| Noninterest-bearing deposits | 13,947,000 | 14,687,000 | 12,524,000 | 14,627,000 |
| Equity capital | 7,577,000 | 7,500,000 | 7,574,000 | 7,413,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 728,000 | 1,434,000 | 2,126,000 | 2,814,000 |
| Interest expense | 118,000 | 212,000 | 306,000 | 400,000 |
| Net interest income | 610,000 | 1,222,000 | 1,820,000 | 2,414,000 |
| Noninterest income | 43,000 | 84,000 | 122,000 | 156,000 |
| Noninterest expense | 465,000 | 926,000 | 1,439,000 | 1,940,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 27,000 |
| Pretax income | 179,000 | 362,000 | 476,000 | 603,000 |
| Income tax | 55,000 | 112,000 | 155,000 | 186,000 |
| Net income | 124,000 | 250,000 | 321,000 | 417,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,576,000 | 7,502,000 | 7,572,000 | 7,410,000 |
| Total capital | 7,825,000 | 7,712,000 | 7,785,000 | 7,622,000 |
| Risk-weighted assets | 22,610,000 | 22,653,000 | 21,740,000 | 23,342,000 |