Call reports 2007
CITIZENS NATIONAL BANK OF CROSBYTON — 2007
What CITIZENS NATIONAL BANK OF CROSBYTON reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 34,623,000 | 33,618,000 | 34,244,000 | 35,629,000 |
| Total loans | 9,701,000 | 11,858,000 | 13,055,000 | 11,695,000 |
| Allowance for loan losses | 231,000 | 231,000 | 231,000 | 231,000 |
| Securities available for sale | 3,554,000 | 3,067,000 | 3,087,000 | 1,122,000 |
| Securities held to maturity | 15,000 | 15,000 | 15,000 | 15,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,409,000 | 28,276,000 | 28,703,000 | 30,042,000 |
| Interest-bearing deposits | 21,434,000 | 22,132,000 | 22,751,000 | 21,715,000 |
| Noninterest-bearing deposits | 7,975,000 | 6,144,000 | 5,952,000 | 8,327,000 |
| Equity capital | 5,043,000 | 5,151,000 | 5,326,000 | 5,371,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 525,000 | 1,059,000 | 1,628,000 | 2,163,000 |
| Interest expense | 212,000 | 427,000 | 657,000 | 884,000 |
| Net interest income | 313,000 | 632,000 | 971,000 | 1,279,000 |
| Noninterest income | 62,000 | 124,000 | 180,000 | 242,000 |
| Noninterest expense | 164,000 | 343,000 | 495,000 | 701,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 211,000 | 413,000 | 656,000 | 820,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 211,000 | 413,000 | 656,000 | 820,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,058,000 | 5,165,000 | 5,332,000 | 5,370,000 |
| Total capital | 5,231,000 | 5,357,000 | 5,539,000 | 5,565,000 |
| Risk-weighted assets | 13,814,000 | 15,328,000 | 16,508,000 | 15,560,000 |