Call reports 2009
CITIZENS NATIONAL BANK OF WOODSFIELD, THE — 2009
What CITIZENS NATIONAL BANK OF WOODSFIELD, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 52,306,000 | 51,650,000 | 51,976,000 | 52,367,000 |
| Total loans | 25,555,000 | 26,887,000 | 28,290,000 | 28,811,000 |
| Allowance for loan losses | 216,000 | 220,000 | 227,000 | 228,000 |
| Securities available for sale | 536,000 | 34,000 | 34,000 | 33,000 |
| Securities held to maturity | 15,535,000 | 14,003,000 | 12,502,000 | 10,502,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,237,000 | 44,528,000 | 44,765,000 | 45,224,000 |
| Interest-bearing deposits | 29,083,000 | 29,314,000 | 29,187,000 | 28,788,000 |
| Noninterest-bearing deposits | 16,154,000 | 15,214,000 | 15,578,000 | 16,436,000 |
| Equity capital | 6,911,000 | 6,852,000 | 6,919,000 | 6,860,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 618,000 | 1,224,000 | 1,824,000 | 2,425,000 |
| Interest expense | 35,000 | 66,000 | 94,000 | 119,000 |
| Net interest income | 583,000 | 1,158,000 | 1,730,000 | 2,306,000 |
| Noninterest income | 35,000 | 89,000 | 122,000 | 157,000 |
| Noninterest expense | 489,000 | 976,000 | 1,471,000 | 1,989,000 |
| Provision for loan losses | 8,000 | 15,000 | 22,000 | 22,000 |
| Pretax income | 121,000 | 256,000 | 359,000 | 452,000 |
| Income tax | 40,000 | 72,000 | 109,000 | 126,000 |
| Net income | 81,000 | 184,000 | 250,000 | 326,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,911,000 | 6,853,000 | 6,919,000 | 6,860,000 |
| Total capital | 7,127,000 | 7,073,000 | 7,146,000 | 7,088,000 |
| Risk-weighted assets | 25,033,000 | 25,928,000 | 26,681,000 | 27,048,000 |