Call reports 2007
CITIZENS NATIONAL BANK — 2007
What CITIZENS NATIONAL BANK 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 | 225,359,000 | 232,834,000 | 235,003,000 | 251,565,000 |
| Total loans | 70,679,000 | 73,761,000 | 76,572,000 | 75,766,000 |
| Allowance for loan losses | 1,054,000 | 1,069,000 | 1,070,000 | 1,069,000 |
| Securities available for sale | 117,655,000 | 130,388,000 | 124,592,000 | 130,493,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,795,000 | 209,884,000 | 209,944,000 | 225,419,000 |
| Interest-bearing deposits | 191,344,000 | 196,053,000 | 197,229,000 | 211,313,000 |
| Noninterest-bearing deposits | 10,451,000 | 13,831,000 | 12,715,000 | 14,106,000 |
| Equity capital | 22,860,000 | 22,047,000 | 24,040,000 | 25,302,000 |
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 | 2,834,000 | 5,875,000 | 9,086,000 | 12,375,000 |
| Interest expense | 1,226,000 | 2,527,000 | 3,861,000 | 5,212,000 |
| Net interest income | 1,608,000 | 3,348,000 | 5,225,000 | 7,163,000 |
| Noninterest income | 430,000 | 904,000 | 1,367,000 | 1,841,000 |
| Noninterest expense | 1,699,000 | 3,496,000 | 5,277,000 | 7,201,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 343,000 | 760,000 | 1,310,000 | 1,798,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 343,000 | 760,000 | 1,310,000 | 1,798,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,029,000 | 21,311,000 | 21,928,000 | 22,332,000 |
| Total capital | 22,083,000 | 22,380,000 | 22,998,000 | 23,401,000 |
| Risk-weighted assets | 100,978,000 | 106,066,000 | 110,049,000 | 118,005,000 |
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