Call reports 2008
CITIZENS NATIONAL BANK, THE — 2008
What CITIZENS NATIONAL BANK, THE 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 | 257,453,000 | 273,301,000 | 266,114,000 | 295,717,000 |
| Total loans | 106,207,000 | 107,196,000 | 108,300,000 | 109,706,000 |
| Allowance for loan losses | 1,854,000 | 1,950,000 | 2,009,000 | 1,905,000 |
| Securities available for sale | 115,482,000 | 126,715,000 | 122,609,000 | 145,277,000 |
| Securities held to maturity | 5,658,000 | 5,311,000 | 3,759,000 | 3,659,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,567,000 | 155,028,000 | 155,930,000 | 162,429,000 |
| Interest-bearing deposits | 106,761,000 | 108,093,000 | 112,287,000 | 111,733,000 |
| Noninterest-bearing deposits | 46,806,000 | 46,935,000 | 43,643,000 | 50,696,000 |
| Equity capital | 35,440,000 | 33,983,000 | 28,815,000 | 29,984,000 |
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 | 3,128,000 | 6,653,000 | 10,196,000 | 13,858,000 |
| Interest expense | 893,000 | 1,927,000 | 2,965,000 | 3,991,000 |
| Net interest income | 2,235,000 | 4,726,000 | 7,231,000 | 9,867,000 |
| Noninterest income | 518,000 | 1,059,000 | 1,612,000 | 2,133,000 |
| Noninterest expense | 1,792,000 | 3,508,000 | 5,365,000 | 7,124,000 |
| Provision for loan losses | 38,000 | 65,000 | 140,000 | 215,000 |
| Pretax income | 923,000 | 2,212,000 | -2,113,000 | -5,988,000 |
| Income tax | 227,000 | 595,000 | 925,000 | -2,840,000 |
| Net income | 696,000 | 1,617,000 | -3,038,000 | -3,148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,465,000 | 37,192,000 | 35,585,000 | 33,068,000 |
| Total capital | 38,319,000 | 39,142,000 | 37,594,000 | 34,973,000 |
| Risk-weighted assets | 157,882,000 | 159,616,000 | 160,817,000 | 164,407,000 |
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