Call reports 2009
CITIZENS NATIONAL BANK — 2009
What CITIZENS NATIONAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 601,534,000 | 590,928,000 | 595,578,000 | 595,552,000 |
| Total loans | 487,577,000 | 492,038,000 | 492,304,000 | 488,362,000 |
| Allowance for loan losses | 5,962,000 | 6,223,000 | 8,497,000 | 8,427,000 |
| Securities available for sale | 63,415,000 | 67,741,000 | 73,171,000 | 67,967,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 513,831,000 | 503,041,000 | 509,920,000 | 515,619,000 |
| Interest-bearing deposits | 456,537,000 | 465,789,000 | 471,929,000 | 476,808,000 |
| Noninterest-bearing deposits | 57,295,000 | 37,252,000 | 37,991,000 | 38,811,000 |
| Equity capital | 54,381,000 | 54,564,000 | 49,841,000 | 49,206,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 8,180,000 | 16,321,000 | 24,454,000 | 32,095,000 |
| Interest expense | 3,313,000 | 6,558,000 | 9,768,000 | 12,753,000 |
| Net interest income | 4,867,000 | 9,763,000 | 14,686,000 | 19,342,000 |
| Noninterest income | 947,000 | 1,890,000 | 3,460,000 | 4,289,000 |
| Noninterest expense | 3,272,000 | 6,905,000 | 10,385,000 | 13,846,000 |
| Provision for loan losses | 1,050,000 | 2,142,000 | 10,027,000 | 13,092,000 |
| Pretax income | 1,492,000 | 2,497,000 | -2,094,000 | -2,996,000 |
| Income tax | 98,000 | 209,000 | 321,000 | -203,000 |
| Net income | 1,394,000 | 2,288,000 | -2,415,000 | -2,793,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,530,000 | 53,832,000 | 49,088,000 | 48,709,000 |
| Total capital | 59,492,000 | 59,927,000 | 55,174,000 | 54,536,000 |
| Risk-weighted assets | 478,728,000 | 487,443,000 | 483,693,000 | 462,799,000 |
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