Call reports 2006
CITIZENS NATIONAL BANK OF ALBION — 2006
What CITIZENS NATIONAL BANK OF ALBION reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 169,947,000 | 176,146,000 | 178,378,000 | 178,795,000 |
| Total loans | 107,551,000 | 112,567,000 | 114,580,000 | 111,273,000 |
| Allowance for loan losses | 1,515,000 | 1,523,000 | 1,574,000 | 1,560,000 |
| Securities available for sale | 52,756,000 | 54,221,000 | 54,391,000 | 57,437,000 |
| Securities held to maturity | 1,836,000 | 1,675,000 | 1,610,000 | 1,110,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,934,000 | 130,865,000 | 134,142,000 | 135,716,000 |
| Interest-bearing deposits | 112,747,000 | 116,191,000 | 119,081,000 | 120,612,000 |
| Noninterest-bearing deposits | 14,187,000 | 14,674,000 | 15,061,000 | 15,104,000 |
| Equity capital | 30,347,000 | 30,365,000 | 31,212,000 | 31,399,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,328,000 | 4,838,000 | 7,495,000 | 10,232,000 |
| Interest expense | 849,000 | 1,837,000 | 2,932,000 | 4,098,000 |
| Net interest income | 1,479,000 | 3,001,000 | 4,563,000 | 6,134,000 |
| Noninterest income | 132,000 | 347,000 | 476,000 | 606,000 |
| Noninterest expense | 838,000 | 1,695,000 | 2,579,000 | 3,702,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 150,000 |
| Pretax income | 728,000 | 1,563,000 | 2,325,000 | 2,888,000 |
| Income tax | 205,000 | 452,000 | 669,000 | 813,000 |
| Net income | 523,000 | 1,111,000 | 1,656,000 | 2,075,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,774,000 | 30,135,000 | 30,692,000 | 30,723,000 |
| Total capital | 31,162,000 | 31,596,000 | 32,135,000 | 32,174,000 |
| Risk-weighted assets | 110,849,000 | 116,768,000 | 118,441,000 | 115,869,000 |
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