Call reports 2015
CITIZENS NATIONAL BANK OF WOODSFIELD, THE — 2015
What CITIZENS NATIONAL BANK OF WOODSFIELD, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 109,240,000 | 108,041,000 | 108,259,000 | 108,009,000 |
| Total loans | 34,668,000 | 35,663,000 | 36,847,000 | 39,308,000 |
| Allowance for loan losses | 251,000 | 257,000 | 262,000 | 262,000 |
| Securities available for sale | 51,430,000 | 51,092,000 | 52,192,000 | 46,880,000 |
| Securities held to maturity | 1,120,000 | 1,076,000 | 1,072,000 | 1,015,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,287,000 | 100,300,000 | 100,169,000 | 100,130,000 |
| Interest-bearing deposits | 64,126,000 | 64,049,000 | 64,989,000 | 65,656,000 |
| Noninterest-bearing deposits | 37,161,000 | 36,251,000 | 35,180,000 | 34,474,000 |
| Equity capital | 7,680,000 | 7,559,000 | 7,819,000 | 7,698,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 603,000 | 1,215,000 | 1,824,000 | 2,457,000 |
| Interest expense | 18,000 | 37,000 | 56,000 | 77,000 |
| Net interest income | 585,000 | 1,178,000 | 1,768,000 | 2,380,000 |
| Noninterest income | 45,000 | 88,000 | 128,000 | 166,000 |
| Noninterest expense | 531,000 | 1,046,000 | 1,563,000 | 2,122,000 |
| Provision for loan losses | 6,000 | 12,000 | 20,000 | 22,000 |
| Pretax income | 93,000 | 208,000 | 313,000 | 402,000 |
| Income tax | 27,000 | 47,000 | 75,000 | 94,000 |
| Net income | 66,000 | 161,000 | 238,000 | 308,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,451,000 | 7,546,000 | 7,624,000 | 7,694,000 |
| Total capital | 7,702,000 | 7,803,000 | 7,886,000 | 7,956,000 |
| Risk-weighted assets | 38,018,000 | 37,608,000 | 38,226,000 | 39,515,000 |