Call reports 2011
CITIZENS NATIONAL BANK — 2011
What CITIZENS NATIONAL BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 557,495,000 | 543,764,000 | 545,427,000 | 534,947,000 |
| Total loans | 425,899,000 | 411,416,000 | 404,236,000 | 394,903,000 |
| Allowance for loan losses | 12,031,000 | 12,362,000 | 11,448,000 | 11,285,000 |
| Securities available for sale | 64,853,000 | 72,071,000 | 88,141,000 | 85,756,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 479,117,000 | 465,640,000 | 470,132,000 | 464,295,000 |
| Interest-bearing deposits | 464,882,000 | 452,026,000 | 446,113,000 | 440,590,000 |
| Noninterest-bearing deposits | 14,235,000 | 13,614,000 | 24,019,000 | 23,705,000 |
| Equity capital | 51,736,000 | 52,797,000 | 52,433,000 | 51,881,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 6,345,000 | 12,585,000 | 18,768,000 | 24,742,000 |
| Interest expense | 1,659,000 | 3,216,000 | 4,605,000 | 5,855,000 |
| Net interest income | 4,686,000 | 9,369,000 | 14,163,000 | 18,887,000 |
| Noninterest income | 136,000 | 263,000 | 409,000 | 773,000 |
| Noninterest expense | 3,587,000 | 6,896,000 | 10,347,000 | 13,793,000 |
| Provision for loan losses | 2,480,000 | 3,380,000 | 5,131,000 | 7,448,000 |
| Pretax income | -1,245,000 | -644,000 | -939,000 | -1,564,000 |
| Income tax | 24,000 | 115,000 | 181,000 | -16,000 |
| Net income | -1,269,000 | -759,000 | -1,120,000 | -1,548,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,325,000 | 51,867,000 | 51,538,000 | 51,141,000 |
| Total capital | 56,504,000 | 56,938,000 | 56,643,000 | 56,152,000 |
| Risk-weighted assets | 407,279,000 | 398,217,000 | 401,867,000 | 394,400,000 |