Call reports 2008
CITIZENS NATIONAL BANK OF PARIS, THE — 2008
What CITIZENS NATIONAL BANK OF PARIS, THE 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 | 220,208,000 | 221,888,000 | 235,099,000 | 245,391,000 |
| Total loans | 148,960,000 | 153,285,000 | 164,292,000 | 160,973,000 |
| Allowance for loan losses | 1,659,000 | 1,762,000 | 1,889,000 | 2,201,000 |
| Securities available for sale | 54,528,000 | 51,022,000 | 52,265,000 | 58,781,000 |
| Securities held to maturity | 4,000 | 19,000 | 19,000 | 4,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,783,000 | 168,810,000 | 181,743,000 | 195,106,000 |
| Interest-bearing deposits | 155,698,000 | 154,882,000 | 168,982,000 | 181,256,000 |
| Noninterest-bearing deposits | 13,085,000 | 13,928,000 | 12,761,000 | 13,850,000 |
| Equity capital | 20,547,000 | 20,033,000 | 20,836,000 | 21,124,000 |
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 | 3,429,000 | 6,700,000 | 10,001,000 | 13,334,000 |
| Interest expense | 1,696,000 | 3,100,000 | 4,503,000 | 5,961,000 |
| Net interest income | 1,733,000 | 3,600,000 | 5,498,000 | 7,373,000 |
| Noninterest income | 454,000 | 918,000 | 1,416,000 | 1,713,000 |
| Noninterest expense | 1,407,000 | 2,759,000 | 4,173,000 | 5,764,000 |
| Provision for loan losses | 0 | 106,000 | 248,000 | 679,000 |
| Pretax income | 783,000 | 1,642,000 | 2,482,000 | 2,647,000 |
| Income tax | 239,000 | 503,000 | 756,000 | 741,000 |
| Net income | 544,000 | 1,139,000 | 1,726,000 | 1,906,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,649,000 | 20,020,000 | 20,606,000 | 20,211,000 |
| Total capital | 21,308,000 | 21,782,000 | 22,495,000 | 22,412,000 |
| Risk-weighted assets | 166,179,000 | 169,473,000 | 180,226,000 | 179,981,000 |