Call reports 2008
CITIZENS NATIONAL BANK — 2008
What CITIZENS NATIONAL BANK 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 | 557,543,000 | 574,636,000 | 565,899,000 | 574,262,000 |
| Total loans | 447,616,000 | 463,587,000 | 474,019,000 | 487,315,000 |
| Allowance for loan losses | 4,728,000 | 5,057,000 | 5,743,000 | 5,862,000 |
| Securities available for sale | 87,977,000 | 80,088,000 | 69,132,000 | 62,524,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 472,510,000 | 472,604,000 | 470,902,000 | 478,290,000 |
| Interest-bearing deposits | 407,575,000 | 420,755,000 | 422,575,000 | 430,030,000 |
| Noninterest-bearing deposits | 64,935,000 | 51,849,000 | 48,327,000 | 48,260,000 |
| Equity capital | 52,710,000 | 52,672,000 | 53,323,000 | 53,757,000 |
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 | 9,345,000 | 18,505,000 | 27,155,000 | 35,797,000 |
| Interest expense | 4,352,000 | 8,341,000 | 12,130,000 | 15,687,000 |
| Net interest income | 4,993,000 | 10,164,000 | 15,025,000 | 20,110,000 |
| Noninterest income | 989,000 | 2,165,000 | 3,237,000 | 4,352,000 |
| Noninterest expense | 3,254,000 | 6,639,000 | 10,155,000 | 13,712,000 |
| Provision for loan losses | 100,000 | 585,000 | 1,524,000 | 3,177,000 |
| Pretax income | 2,628,000 | 5,105,000 | 6,583,000 | 7,583,000 |
| Income tax | 173,000 | 296,000 | 419,000 | 542,000 |
| Net income | 2,455,000 | 4,809,000 | 6,164,000 | 7,041,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,180,000 | 52,350,000 | 52,855,000 | 52,821,000 |
| Total capital | 55,908,000 | 57,407,000 | 58,598,000 | 58,647,000 |
| Risk-weighted assets | 470,921,000 | 484,525,000 | 475,652,000 | 466,056,000 |
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