Call reports 2009
CITIZENS NATIONAL BANK OF ALBION — 2009
What CITIZENS NATIONAL BANK OF ALBION reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 205,851,000 | 213,704,000 | 215,129,000 | 220,191,000 |
| Total loans | 131,823,000 | 135,757,000 | 141,079,000 | 144,037,000 |
| Allowance for loan losses | 1,635,000 | 1,613,000 | 1,583,000 | 1,591,000 |
| Securities available for sale | 58,549,000 | 56,469,000 | 56,180,000 | 54,090,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 170,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,376,000 | 169,186,000 | 173,684,000 | 179,938,000 |
| Interest-bearing deposits | 144,872,000 | 16,491,000 | 158,710,000 | 161,090,000 |
| Noninterest-bearing deposits | 16,504,000 | 152,695,000 | 14,974,000 | 18,848,000 |
| Equity capital | 35,958,000 | 35,942,000 | 37,043,000 | 36,945,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,766,000 | 5,460,000 | 8,193,000 | 10,940,000 |
| Interest expense | 973,000 | 1,906,000 | 2,817,000 | 3,620,000 |
| Net interest income | 1,793,000 | 3,554,000 | 5,376,000 | 7,320,000 |
| Noninterest income | 152,000 | 331,000 | 516,000 | 712,000 |
| Noninterest expense | 1,010,000 | 2,155,000 | 3,258,000 | 4,559,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 906,000 | 1,739,000 | 2,621,000 | 3,430,000 |
| Income tax | 279,000 | 527,000 | 794,000 | 1,032,000 |
| Net income | 627,000 | 1,212,000 | 1,827,000 | 2,398,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,343,000 | 34,615,000 | 35,238,000 | 35,337,000 |
| Total capital | 36,050,000 | 36,313,000 | 36,906,000 | 37,013,000 |
| Risk-weighted assets | 136,570,000 | 139,355,000 | 144,734,000 | 146,757,000 |
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