Call reports 2008
CITIZENS NATIONAL BANK — 2008
What CITIZENS NATIONAL BANK 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 | 255,251,000 | 256,802,000 | 258,748,000 | 265,153,000 |
| Total loans | 91,254,000 | 95,358,000 | 94,422,000 | 92,493,000 |
| Allowance for loan losses | 1,080,000 | 1,093,000 | 1,268,000 | 1,266,000 |
| Securities available for sale | 113,902,000 | 119,629,000 | 114,465,000 | 120,651,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,462,000 | 230,695,000 | 232,906,000 | 237,613,000 |
| Interest-bearing deposits | 213,557,000 | 215,421,000 | 219,842,000 | 222,833,000 |
| Noninterest-bearing deposits | 13,905,000 | 15,274,000 | 13,064,000 | 14,780,000 |
| Equity capital | 27,077,000 | 25,297,000 | 24,928,000 | 26,842,000 |
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 | 3,946,000 | 7,175,000 | 10,380,000 | 13,529,000 |
| Interest expense | 1,315,000 | 2,432,000 | 3,476,000 | 4,465,000 |
| Net interest income | 2,631,000 | 4,743,000 | 6,904,000 | 9,064,000 |
| Noninterest income | 458,000 | 915,000 | 1,392,000 | 1,831,000 |
| Noninterest expense | 1,890,000 | 3,675,000 | 5,580,000 | 7,703,000 |
| Provision for loan losses | 9,000 | 23,000 | 198,000 | 302,000 |
| Pretax income | 1,194,000 | 1,959,000 | 2,467,000 | 2,789,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,194,000 | 1,959,000 | 2,467,000 | 2,789,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,841,000 | 24,146,000 | 24,611,000 | 24,947,000 |
| Total capital | 24,921,000 | 25,239,000 | 25,879,000 | 26,213,000 |
| Risk-weighted assets | 133,832,000 | 138,750,000 | 141,903,000 | 142,264,000 |
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