Call reports 2010
CITIZENS NATIONAL BANK OF WOODSFIELD, THE — 2010
What CITIZENS NATIONAL BANK OF WOODSFIELD, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 51,635,000 | 52,470,000 | 53,069,000 | 52,391,000 |
| Total loans | 28,978,000 | 29,410,000 | 29,833,000 | 30,298,000 |
| Allowance for loan losses | 234,000 | 240,000 | 241,000 | 241,000 |
| Securities available for sale | 32,000 | 30,000 | 29,000 | 28,000 |
| Securities held to maturity | 10,001,000 | 9,502,000 | 7,987,000 | 7,443,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,514,000 | 45,381,000 | 45,926,000 | 45,346,000 |
| Interest-bearing deposits | 29,363,000 | 29,561,000 | 30,105,000 | 28,985,000 |
| Noninterest-bearing deposits | 15,151,000 | 15,820,000 | 15,821,000 | 16,361,000 |
| Equity capital | 6,924,000 | 6,877,000 | 6,935,000 | 6,870,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 565,000 | 1,147,000 | 1,715,000 | 2,275,000 |
| Interest expense | 22,000 | 44,000 | 65,000 | 86,000 |
| Net interest income | 543,000 | 1,103,000 | 1,650,000 | 2,189,000 |
| Noninterest income | 33,000 | 67,000 | 108,000 | 140,000 |
| Noninterest expense | 491,000 | 977,000 | 1,487,000 | 1,968,000 |
| Provision for loan losses | 6,000 | 12,000 | 12,000 | 12,000 |
| Pretax income | 79,000 | 181,000 | 259,000 | 349,000 |
| Income tax | 15,000 | 39,000 | 60,000 | 79,000 |
| Net income | 64,000 | 142,000 | 199,000 | 270,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,924,000 | 6,877,000 | 6,935,000 | 6,870,000 |
| Total capital | 7,158,000 | 7,117,000 | 7,176,000 | 7,111,000 |
| Risk-weighted assets | 26,732,000 | 27,051,000 | 27,425,000 | 27,731,000 |