Call reports 2011
CITIZENS NATIONAL BANK OF ALBION — 2011
What CITIZENS NATIONAL BANK OF ALBION reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 262,164,000 | 262,575,000 | 263,524,000 | 265,398,000 |
| Total loans | 145,799,000 | 150,772,000 | 155,176,000 | 159,273,000 |
| Allowance for loan losses | 1,682,000 | 1,729,000 | 1,726,000 | 1,760,000 |
| Securities available for sale | 79,717,000 | 86,915,000 | 88,159,000 | 86,180,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 220,445,000 | 220,163,000 | 219,546,000 | 222,511,000 |
| Interest-bearing deposits | 198,077,000 | 198,558,000 | 198,606,000 | 198,948,000 |
| Noninterest-bearing deposits | 22,368,000 | 21,605,000 | 20,940,000 | 23,563,000 |
| Equity capital | 39,330,000 | 40,142,000 | 41,504,000 | 41,572,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,701,000 | 5,451,000 | 8,293,000 | 11,120,000 |
| Interest expense | 736,000 | 1,450,000 | 2,137,000 | 2,796,000 |
| Net interest income | 1,965,000 | 4,001,000 | 6,156,000 | 8,324,000 |
| Noninterest income | 168,000 | 349,000 | 533,000 | 729,000 |
| Noninterest expense | 1,107,000 | 2,254,000 | 3,420,000 | 4,840,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 991,000 | 2,016,000 | 3,163,000 | 4,078,000 |
| Income tax | 305,000 | 617,000 | 973,000 | 1,233,000 |
| Net income | 686,000 | 1,399,000 | 2,190,000 | 2,845,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,019,000 | 38,336,000 | 39,132,000 | 39,231,000 |
| Total capital | 39,786,000 | 40,150,000 | 40,943,000 | 41,076,000 |
| Risk-weighted assets | 152,482,000 | 158,276,000 | 163,710,000 | 168,987,000 |
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