Call reports 2005
CITIZENS NATIONAL BANK OF ALBION — 2005
What CITIZENS NATIONAL BANK OF ALBION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 167,050,000 | 166,820,000 | 167,442,000 | 171,156,000 |
| Total loans | 98,754,000 | 103,331,000 | 104,754,000 | 104,938,000 |
| Allowance for loan losses | 1,417,000 | 1,464,000 | 1,383,000 | 1,438,000 |
| Securities available for sale | 50,872,000 | 52,462,000 | 51,424,000 | 54,361,000 |
| Securities held to maturity | 1,435,000 | 1,436,000 | 1,436,000 | 1,836,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,741,000 | 125,322,000 | 125,389,000 | 128,553,000 |
| Interest-bearing deposits | 111,905,000 | 110,388,000 | 110,934,000 | 113,415,000 |
| Noninterest-bearing deposits | 13,836,000 | 14,934,000 | 14,455,000 | 15,138,000 |
| Equity capital | 29,426,000 | 29,741,000 | 30,147,000 | 29,906,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,137,000 | 4,326,000 | 6,592,000 | 8,940,000 |
| Interest expense | 656,000 | 1,344,000 | 2,076,000 | 2,870,000 |
| Net interest income | 1,481,000 | 2,982,000 | 4,516,000 | 6,070,000 |
| Noninterest income | 107,000 | 226,000 | 352,000 | 477,000 |
| Noninterest expense | 819,000 | 1,667,000 | 2,517,000 | 3,603,000 |
| Provision for loan losses | 75,000 | 120,000 | 165,000 | 210,000 |
| Pretax income | 704,000 | 1,450,000 | 2,214,000 | 2,777,000 |
| Income tax | 185,000 | 397,000 | 610,000 | 747,000 |
| Net income | 519,000 | 1,053,000 | 1,604,000 | 2,030,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,329,000 | 28,636,000 | 29,202,000 | 29,241,000 |
| Total capital | 29,635,000 | 29,982,000 | 30,556,000 | 30,612,000 |
| Risk-weighted assets | 103,570,000 | 106,790,000 | 108,250,000 | 109,509,000 |
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