Call reports 2008
CITIZENS NATIONAL BANK OF ALBION — 2008
What CITIZENS NATIONAL BANK OF ALBION reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 194,853,000 | 193,708,000 | 201,017,000 | 208,028,000 |
| Total loans | 122,655,000 | 124,821,000 | 134,876,000 | 138,069,000 |
| Allowance for loan losses | 1,487,000 | 1,520,000 | 1,590,000 | 1,616,000 |
| Securities available for sale | 56,267,000 | 56,345,000 | 57,874,000 | 59,909,000 |
| Securities held to maturity | 1,110,000 | 1,110,000 | 855,000 | 590,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,193,000 | 153,642,000 | 156,361,000 | 162,158,000 |
| Interest-bearing deposits | 137,609,000 | 137,152,000 | 140,587,000 | 142,242,000 |
| Noninterest-bearing deposits | 15,584,000 | 16,490,000 | 15,774,000 | 19,916,000 |
| Equity capital | 34,193,000 | 33,573,000 | 34,685,000 | 35,449,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,886,000 | 5,656,000 | 8,472,000 | 11,351,000 |
| Interest expense | 1,258,000 | 2,369,000 | 3,468,000 | 4,515,000 |
| Net interest income | 1,628,000 | 3,287,000 | 5,004,000 | 6,836,000 |
| Noninterest income | 133,000 | 295,000 | 470,000 | 641,000 |
| Noninterest expense | 923,000 | 1,878,000 | 2,840,000 | 4,064,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 813,000 | 1,651,000 | 2,551,000 | 3,310,000 |
| Income tax | 246,000 | 505,000 | 785,000 | 1,008,000 |
| Net income | 567,000 | 1,146,000 | 1,766,000 | 2,302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,748,000 | 33,015,000 | 33,645,000 | 33,709,000 |
| Total capital | 34,320,000 | 34,620,000 | 35,320,000 | 35,410,000 |
| Risk-weighted assets | 127,754,000 | 129,442,000 | 138,794,000 | 141,887,000 |
Machine access — free, no API key
Every figure shown here about CITIZENS NATIONAL BANK OF ALBION — 2008 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.