Call reports 2006
CITIZENS NATIONAL BANK OF CROSBYTON — 2006
What CITIZENS NATIONAL BANK OF CROSBYTON reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 35,495,000 | 34,120,000 | 33,847,000 | 34,380,000 |
| Total loans | 8,454,000 | 9,784,000 | 11,502,000 | 11,081,000 |
| Allowance for loan losses | 234,000 | 234,000 | 234,000 | 231,000 |
| Securities available for sale | 5,434,000 | 3,440,000 | 3,463,000 | 3,535,000 |
| Securities held to maturity | 16,000 | 16,000 | 16,000 | 16,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,765,000 | 29,250,000 | 28,754,000 | 29,114,000 |
| Interest-bearing deposits | 21,825,000 | 20,415,000 | 22,178,000 | 21,428,000 |
| Noninterest-bearing deposits | 8,940,000 | 8,835,000 | 6,576,000 | 7,686,000 |
| Equity capital | 4,608,000 | 4,720,000 | 4,915,000 | 5,083,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 450,000 | 923,000 | 1,436,000 | 1,967,000 |
| Interest expense | 160,000 | 334,000 | 528,000 | 733,000 |
| Net interest income | 290,000 | 589,000 | 908,000 | 1,234,000 |
| Noninterest income | 54,000 | 109,000 | 167,000 | 219,000 |
| Noninterest expense | 150,000 | 309,000 | 462,000 | 657,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 194,000 | 389,000 | 613,000 | 796,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 194,000 | 389,000 | 613,000 | 796,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,565,000 | 4,674,000 | 4,946,000 | 5,104,000 |
| Total capital | 4,732,000 | 4,845,000 | 5,134,000 | 5,288,000 |
| Risk-weighted assets | 12,921,000 | 13,654,000 | 14,992,000 | 14,634,000 |