Call reports 2007
CITIZENS NATIONAL BANK — 2007
What CITIZENS NATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 511,328,000 | 511,362,000 | 530,630,000 | 551,828,000 |
| Total loans | 402,580,000 | 400,570,000 | 410,898,000 | 428,593,000 |
| Allowance for loan losses | 4,882,000 | 4,862,000 | 4,939,000 | 4,837,000 |
| Securities available for sale | 66,539,000 | 72,614,000 | 87,611,000 | 86,921,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 432,130,000 | 430,755,000 | 448,871,000 | 465,214,000 |
| Interest-bearing deposits | 374,889,000 | 377,960,000 | 394,030,000 | 404,951,000 |
| Noninterest-bearing deposits | 57,241,000 | 52,795,000 | 54,841,000 | 60,263,000 |
| Equity capital | 45,826,000 | 46,796,000 | 48,886,000 | 50,637,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 8,734,000 | 17,869,000 | 27,289,000 | 36,945,000 |
| Interest expense | 4,034,000 | 8,314,000 | 12,846,000 | 17,456,000 |
| Net interest income | 4,700,000 | 9,555,000 | 14,443,000 | 19,489,000 |
| Noninterest income | 998,000 | 2,006,000 | 2,978,000 | 4,131,000 |
| Noninterest expense | 3,171,000 | 6,425,000 | 9,610,000 | 13,199,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 450,000 |
| Pretax income | 2,377,000 | 4,836,000 | 7,361,000 | 9,971,000 |
| Income tax | 207,000 | 374,000 | 555,000 | 747,000 |
| Net income | 2,170,000 | 4,462,000 | 6,806,000 | 9,224,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,953,000 | 47,251,000 | 48,609,000 | 49,909,000 |
| Total capital | 50,835,000 | 52,113,000 | 53,548,000 | 54,746,000 |
| Risk-weighted assets | 424,023,000 | 425,988,000 | 423,534,000 | 458,817,000 |
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