Call reports 2005
CITIZENS NATIONAL BANK — 2005
What CITIZENS NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 420,576,000 | 424,656,000 | 430,549,000 | 440,026,000 |
| Total loans | 317,112,000 | 329,596,000 | 339,219,000 | 350,356,000 |
| Allowance for loan losses | 4,063,000 | 4,068,000 | 4,134,000 | 4,133,000 |
| Securities available for sale | 64,733,000 | 68,486,000 | 65,459,000 | 63,358,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 367,498,000 | 365,009,000 | 369,204,000 | 370,569,000 |
| Interest-bearing deposits | 312,931,000 | 315,282,000 | 319,603,000 | 323,626,000 |
| Noninterest-bearing deposits | 54,567,000 | 49,727,000 | 49,601,000 | 46,943,000 |
| Equity capital | 37,560,000 | 38,161,000 | 38,942,000 | 39,763,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,701,000 | 11,699,000 | 18,219,000 | 24,902,000 |
| Interest expense | 1,837,000 | 3,901,000 | 6,296,000 | 8,991,000 |
| Net interest income | 3,864,000 | 7,798,000 | 11,923,000 | 15,911,000 |
| Noninterest income | 902,000 | 1,879,000 | 2,690,000 | 3,584,000 |
| Noninterest expense | 2,740,000 | 5,523,000 | 8,216,000 | 10,937,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 570,000 |
| Pretax income | 1,876,000 | 3,854,000 | 5,957,000 | 7,998,000 |
| Income tax | 160,000 | 314,000 | 503,000 | 716,000 |
| Net income | 1,716,000 | 3,540,000 | 5,454,000 | 7,282,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,513,000 | 37,793,000 | 38,944,000 | 39,912,000 |
| Total capital | 41,576,000 | 41,861,000 | 43,078,000 | 44,045,000 |
| Risk-weighted assets | 337,074,000 | 349,064,000 | 356,646,000 | 364,582,000 |
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