Call reports 2009
CITIZENS NATIONAL BANK — 2009
What CITIZENS NATIONAL BANK 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 | 268,600,000 | 279,976,000 | 284,175,000 | 296,650,000 |
| Total loans | 96,495,000 | 99,698,000 | 98,891,000 | 101,882,000 |
| Allowance for loan losses | 1,326,000 | 1,284,000 | 1,433,000 | 1,555,000 |
| Securities available for sale | 119,844,000 | 125,979,000 | 137,958,000 | 140,203,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,198,000 | 251,682,000 | 254,126,000 | 267,302,000 |
| Interest-bearing deposits | 221,212,000 | 239,283,000 | 243,155,000 | 254,202,000 |
| Noninterest-bearing deposits | 18,986,000 | 12,399,000 | 10,971,000 | 13,100,000 |
| Equity capital | 27,531,000 | 27,171,000 | 29,039,000 | 28,727,000 |
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 | 3,063,000 | 6,146,000 | 9,217,000 | 12,251,000 |
| Interest expense | 887,000 | 1,804,000 | 2,671,000 | 3,431,000 |
| Net interest income | 2,176,000 | 4,342,000 | 6,546,000 | 8,820,000 |
| Noninterest income | 424,000 | 942,000 | 1,428,000 | 1,864,000 |
| Noninterest expense | 1,967,000 | 4,189,000 | 5,792,000 | 7,597,000 |
| Provision for loan losses | 60,000 | 190,000 | 360,000 | 462,000 |
| Pretax income | 561,000 | 1,014,000 | 1,861,000 | 2,668,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 561,000 | 1,014,000 | 1,861,000 | 2,668,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,825,000 | 26,124,000 | 26,545,000 | 26,778,000 |
| Total capital | 27,151,000 | 27,408,000 | 27,978,000 | 28,333,000 |
| Risk-weighted assets | 143,020,000 | 150,509,000 | 148,972,000 | 152,446,000 |
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