Call reports 2010
CITIZENS NATIONAL BANK OF ALBION — 2010
What CITIZENS NATIONAL BANK OF ALBION reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 220,539,000 | 228,012,000 | 240,640,000 | 249,640,000 |
| Total loans | 143,341,000 | 147,743,000 | 153,601,000 | 155,152,000 |
| Allowance for loan losses | 1,621,000 | 1,616,000 | 1,652,000 | 1,699,000 |
| Securities available for sale | 56,149,000 | 64,416,000 | 69,849,000 | 70,111,000 |
| Securities held to maturity | 75,000 | 75,000 | 75,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,555,000 | 186,654,000 | 198,024,000 | 208,868,000 |
| Interest-bearing deposits | 161,537,000 | 169,656,000 | 179,243,000 | 188,238,000 |
| Noninterest-bearing deposits | 18,018,000 | 16,998,000 | 18,781,000 | 20,630,000 |
| Equity capital | 37,626,000 | 38,109,000 | 39,169,000 | 38,432,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,630,000 | 5,349,000 | 8,149,000 | 10,985,000 |
| Interest expense | 727,000 | 1,479,000 | 2,253,000 | 3,034,000 |
| Net interest income | 1,903,000 | 3,870,000 | 5,896,000 | 7,951,000 |
| Noninterest income | 168,000 | 335,000 | 519,000 | 713,000 |
| Noninterest expense | 1,034,000 | 2,095,000 | 3,168,000 | 4,541,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 135,000 |
| Pretax income | 1,019,000 | 2,067,000 | 3,176,000 | 4,007,000 |
| Income tax | 325,000 | 656,000 | 1,003,000 | 1,237,000 |
| Net income | 694,000 | 1,411,000 | 2,173,000 | 2,770,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,036,000 | 36,439,000 | 37,206,000 | 37,330,000 |
| Total capital | 37,742,000 | 38,140,000 | 38,943,000 | 39,114,000 |
| Risk-weighted assets | 146,018,000 | 151,891,000 | 158,837,000 | 160,660,000 |