Call reports 2012
CITIZENS NATIONAL BANK OF WOODSFIELD, THE — 2012
What CITIZENS NATIONAL BANK OF WOODSFIELD, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 76,039,000 | 81,870,000 | 83,877,000 | 87,873,000 |
| Total loans | 26,240,000 | 26,208,000 | 26,262,000 | 27,269,000 |
| Allowance for loan losses | 251,000 | 256,000 | 256,000 | 256,000 |
| Securities available for sale | 7,747,000 | 8,841,000 | 7,875,000 | 9,301,000 |
| Securities held to maturity | 5,453,000 | 3,408,000 | 3,355,000 | 3,335,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,802,000 | 74,483,000 | 76,455,000 | 80,560,000 |
| Interest-bearing deposits | 48,733,000 | 51,009,000 | 53,445,000 | 50,628,000 |
| Noninterest-bearing deposits | 20,069,000 | 23,474,000 | 23,010,000 | 29,932,000 |
| Equity capital | 7,034,000 | 7,115,000 | 7,195,000 | 7,109,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 498,000 | 1,010,000 | 1,536,000 | 2,036,000 |
| Interest expense | 31,000 | 54,000 | 76,000 | 98,000 |
| Net interest income | 467,000 | 956,000 | 1,460,000 | 1,938,000 |
| Noninterest income | 45,000 | 83,000 | 134,000 | 165,000 |
| Noninterest expense | 495,000 | 951,000 | 1,410,000 | 1,874,000 |
| Provision for loan losses | 6,000 | 8,000 | 8,000 | 8,000 |
| Pretax income | 11,000 | 80,000 | 176,000 | 221,000 |
| Income tax | 3,000 | 7,000 | 25,000 | 32,000 |
| Net income | 8,000 | 73,000 | 151,000 | 189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,938,000 | 6,950,000 | 7,028,000 | 6,961,000 |
| Total capital | 7,189,000 | 7,206,000 | 7,284,000 | 7,217,000 |
| Risk-weighted assets | 26,231,000 | 24,751,000 | 24,390,000 | 25,403,000 |