Call reports 2008
CITIZENS NATIONAL BANK OF WOODSFIELD, THE — 2008
What CITIZENS NATIONAL BANK OF WOODSFIELD, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 54,116,000 | 53,529,000 | 53,667,000 | 53,445,000 |
| Total loans | 22,473,000 | 23,163,000 | 23,568,000 | 25,069,000 |
| Allowance for loan losses | 219,000 | 230,000 | 230,000 | 207,000 |
| Securities available for sale | 561,000 | 553,000 | 547,000 | 1,042,000 |
| Securities held to maturity | 19,249,000 | 20,188,000 | 20,005,000 | 19,023,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,048,000 | 46,557,000 | 46,628,000 | 46,463,000 |
| Interest-bearing deposits | 30,729,000 | 30,498,000 | 30,404,000 | 29,188,000 |
| Noninterest-bearing deposits | 16,319,000 | 16,059,000 | 16,224,000 | 17,275,000 |
| Equity capital | 6,903,000 | 6,810,000 | 6,896,000 | 6,835,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 665,000 | 1,321,000 | 1,980,000 | 2,628,000 |
| Interest expense | 81,000 | 142,000 | 194,000 | 239,000 |
| Net interest income | 584,000 | 1,179,000 | 1,786,000 | 2,389,000 |
| Noninterest income | 45,000 | 86,000 | 125,000 | 155,000 |
| Noninterest expense | 510,000 | 1,033,000 | 1,559,000 | 2,086,000 |
| Provision for loan losses | 7,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 112,000 | 217,000 | 337,000 | 443,000 |
| Income tax | 34,000 | 67,000 | 99,000 | 130,000 |
| Net income | 78,000 | 150,000 | 238,000 | 313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,896,000 | 6,806,000 | 6,893,000 | 6,830,000 |
| Total capital | 7,115,000 | 7,036,000 | 7,123,000 | 7,037,000 |
| Risk-weighted assets | 23,506,000 | 23,892,000 | 24,150,000 | 24,901,000 |