Call reports 2010
CITIZENS NATIONAL BANK — 2010
What CITIZENS NATIONAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 598,524,000 | 555,955,000 | 557,481,000 | 549,331,000 |
| Total loans | 476,572,000 | 456,854,000 | 447,439,000 | 430,100,000 |
| Allowance for loan losses | 8,926,000 | 9,997,000 | 10,430,000 | 10,930,000 |
| Securities available for sale | 54,706,000 | 50,123,000 | 48,931,000 | 64,303,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 514,956,000 | 478,672,000 | 475,328,000 | 473,063,000 |
| Interest-bearing deposits | 473,466,000 | 452,692,000 | 463,683,000 | 462,371,000 |
| Noninterest-bearing deposits | 41,490,000 | 25,979,000 | 11,645,000 | 10,692,000 |
| Equity capital | 49,412,000 | 47,689,000 | 52,995,000 | 52,904,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 7,320,000 | 14,423,000 | 21,616,000 | 28,343,000 |
| Interest expense | 2,641,000 | 4,938,000 | 6,928,000 | 8,762,000 |
| Net interest income | 4,679,000 | 9,485,000 | 14,688,000 | 19,581,000 |
| Noninterest income | 829,000 | 1,190,000 | 2,015,000 | 2,994,000 |
| Noninterest expense | 3,443,000 | 6,983,000 | 10,440,000 | 14,162,000 |
| Provision for loan losses | 2,000,000 | 5,700,000 | 6,830,000 | 8,630,000 |
| Pretax income | 284,000 | -1,789,000 | -194,000 | 156,000 |
| Income tax | 0 | 0 | 0 | 105,000 |
| Net income | 284,000 | -1,789,000 | -194,000 | 51,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,993,000 | 46,920,000 | 52,435,000 | 52,732,000 |
| Total capital | 54,620,000 | 52,302,000 | 57,749,000 | 57,928,000 |
| Risk-weighted assets | 446,798,000 | 425,887,000 | 419,849,000 | 409,797,000 |
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