Call reports 2016
CITIZENS NATIONAL BANK OF WOODSFIELD, THE — 2016
What CITIZENS NATIONAL BANK OF WOODSFIELD, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 108,668,000 | 108,818,000 | 106,574,000 | 107,753,000 |
| Total loans | 40,152,000 | 41,456,000 | 42,812,000 | 43,463,000 |
| Allowance for loan losses | 268,000 | 258,000 | 258,000 | 261,000 |
| Securities available for sale | 46,684,000 | 47,389,000 | 48,284,000 | 46,366,000 |
| Securities held to maturity | 1,010,000 | 1,010,000 | 1,010,000 | 955,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,606,000 | 100,564,000 | 98,248,000 | 100,065,000 |
| Interest-bearing deposits | 66,377,000 | 64,964,000 | 64,851,000 | 65,432,000 |
| Noninterest-bearing deposits | 34,229,000 | 35,600,000 | 33,397,000 | 34,633,000 |
| Equity capital | 7,799,000 | 7,959,000 | 8,002,000 | 7,539,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 636,000 | 1,298,000 | 1,962,000 | 2,641,000 |
| Interest expense | 19,000 | 39,000 | 58,000 | 79,000 |
| Net interest income | 617,000 | 1,259,000 | 1,904,000 | 2,562,000 |
| Noninterest income | 52,000 | 93,000 | 134,000 | 170,000 |
| Noninterest expense | 545,000 | 1,093,000 | 1,636,000 | 2,182,000 |
| Provision for loan losses | 6,000 | 6,000 | 6,000 | 8,000 |
| Pretax income | 118,000 | 253,000 | 396,000 | 542,000 |
| Income tax | 23,000 | 60,000 | 86,000 | 120,000 |
| Net income | 95,000 | 193,000 | 310,000 | 422,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,575,000 | 7,673,000 | 7,713,000 | 7,725,000 |
| Total capital | 7,843,000 | 7,931,000 | 7,971,000 | 7,986,000 |
| Risk-weighted assets | 39,495,000 | 41,745,000 | 42,206,000 | 42,117,000 |