Call reports 2020
CITIZENS NATIONAL BANK OF WOODSFIELD, THE — 2020
What CITIZENS NATIONAL BANK OF WOODSFIELD, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 136,537,000 | 144,775,000 | 144,834,000 | 145,102,000 |
| Total loans | 52,099,000 | 52,990,000 | 52,651,000 | 52,542,000 |
| Allowance for loan losses | 412,000 | 418,000 | 425,000 | 425,000 |
| Securities available for sale | 55,575,000 | 63,126,000 | 76,705,000 | 71,401,000 |
| Securities held to maturity | 73,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,314,000 | 133,381,000 | 133,174,000 | 133,578,000 |
| Interest-bearing deposits | 79,112,000 | 81,277,000 | 81,350,000 | 82,032,000 |
| Noninterest-bearing deposits | 46,202,000 | 52,104,000 | 51,824,000 | 51,546,000 |
| Equity capital | 10,642,000 | 10,916,000 | 11,155,000 | 11,014,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 932,000 | 1,780,000 | 2,628,000 | 3,461,000 |
| Interest expense | 19,000 | 38,000 | 58,000 | 77,000 |
| Net interest income | 913,000 | 1,742,000 | 2,570,000 | 3,384,000 |
| Noninterest income | 44,000 | 76,000 | 184,000 | 198,000 |
| Noninterest expense | 671,000 | 1,313,000 | 1,943,000 | 2,597,000 |
| Provision for loan losses | 0 | 5,000 | 12,000 | 12,000 |
| Pretax income | 286,000 | 511,000 | 810,000 | 990,000 |
| Income tax | 60,000 | 75,000 | 150,000 | 173,000 |
| Net income | 226,000 | 436,000 | 660,000 | 817,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,550,000 | 9,760,000 | 9,916,000 | 9,846,000 |
| Total capital | 9,962,000 | 10,178,000 | 10,341,000 | 10,271,000 |
| Risk-weighted assets | 44,329,000 | 42,391,000 | 41,793,000 | 57,408,000 |