Call reports 2006
CITIZENS NATIONAL BANK — 2006
What CITIZENS NATIONAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 452,501,000 | 451,489,000 | 459,735,000 | 486,609,000 |
| Total loans | 366,852,000 | 375,627,000 | 381,981,000 | 386,927,000 |
| Allowance for loan losses | 4,351,000 | 4,571,000 | 4,613,000 | 4,719,000 |
| Securities available for sale | 56,924,000 | 52,387,000 | 50,716,000 | 62,091,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 379,675,000 | 379,357,000 | 388,354,000 | 405,617,000 |
| Interest-bearing deposits | 328,081,000 | 331,094,000 | 339,845,000 | 356,450,000 |
| Noninterest-bearing deposits | 51,594,000 | 48,263,000 | 48,509,000 | 49,166,000 |
| Equity capital | 41,593,000 | 41,925,000 | 43,497,000 | 44,665,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 7,064,000 | 14,624,000 | 22,667,000 | 31,052,000 |
| Interest expense | 2,922,000 | 6,075,000 | 9,481,000 | 13,199,000 |
| Net interest income | 4,142,000 | 8,549,000 | 13,186,000 | 17,853,000 |
| Noninterest income | 932,000 | 2,072,000 | 3,091,000 | 4,055,000 |
| Noninterest expense | 2,841,000 | 5,804,000 | 8,931,000 | 12,131,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 525,000 |
| Pretax income | 2,077,000 | 4,511,000 | 6,890,000 | 9,246,000 |
| Income tax | 179,000 | 366,000 | 557,000 | 713,000 |
| Net income | 1,898,000 | 4,145,000 | 6,333,000 | 8,533,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,815,000 | 42,341,000 | 43,552,000 | 44,735,000 |
| Total capital | 46,166,000 | 46,935,000 | 48,165,000 | 49,454,000 |
| Risk-weighted assets | 372,808,000 | 384,724,000 | 396,354,000 | 405,089,000 |
Machine access — free, no API key
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