Call reports 2007
CITIZENS NATIONAL BANK OF ALBION — 2007
What CITIZENS NATIONAL BANK OF ALBION reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 182,017,000 | 182,958,000 | 184,374,000 | 191,956,000 |
| Total loans | 107,714,000 | 115,537,000 | 119,274,000 | 120,616,000 |
| Allowance for loan losses | 1,499,000 | 1,510,000 | 1,539,000 | 1,529,000 |
| Securities available for sale | 56,910,000 | 58,124,000 | 54,881,000 | 55,421,000 |
| Securities held to maturity | 1,110,000 | 1,110,000 | 1,110,000 | 1,110,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,457,000 | 140,839,000 | 141,752,000 | 149,235,000 |
| Interest-bearing deposits | 123,074,000 | 124,952,000 | 125,691,000 | 129,542,000 |
| Noninterest-bearing deposits | 16,383,000 | 15,887,000 | 16,061,000 | 19,693,000 |
| Equity capital | 31,935,000 | 31,769,000 | 32,794,000 | 33,202,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,668,000 | 5,477,000 | 8,352,000 | 11,300,000 |
| Interest expense | 1,134,000 | 2,337,000 | 3,589,000 | 4,861,000 |
| Net interest income | 1,534,000 | 3,140,000 | 4,763,000 | 6,439,000 |
| Noninterest income | 131,000 | 375,000 | 508,000 | 674,000 |
| Noninterest expense | 913,000 | 1,857,000 | 2,811,000 | 4,016,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 722,000 | 1,599,000 | 2,372,000 | 2,979,000 |
| Income tax | 202,000 | 466,000 | 689,000 | 850,000 |
| Net income | 520,000 | 1,133,000 | 1,683,000 | 2,129,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,252,000 | 31,635,000 | 32,196,000 | 32,173,000 |
| Total capital | 32,676,000 | 33,139,000 | 33,746,000 | 33,753,000 |
| Risk-weighted assets | 113,790,000 | 120,196,000 | 123,933,000 | 126,369,000 |
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