Call reports 2009
CITIZENS NATIONAL BANK OF CROSBYTON — 2009
What CITIZENS NATIONAL BANK OF CROSBYTON reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 40,884,000 | 40,011,000 | 40,404,000 | 42,477,000 |
| Total loans | 9,705,000 | 11,739,000 | 14,006,000 | 12,747,000 |
| Allowance for loan losses | 232,000 | 232,000 | 232,000 | 161,000 |
| Securities available for sale | 2,956,000 | 2,563,000 | 2,567,000 | 2,564,000 |
| Securities held to maturity | 13,000 | 13,000 | 12,000 | 12,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,043,000 | 34,120,000 | 34,399,000 | 36,359,000 |
| Interest-bearing deposits | 30,622,000 | 28,221,000 | 28,840,000 | 29,122,000 |
| Noninterest-bearing deposits | 4,421,000 | 5,899,000 | 5,559,000 | 7,237,000 |
| Equity capital | 5,717,000 | 5,761,000 | 5,894,000 | 5,967,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 389,000 | 737,000 | 1,099,000 | 1,443,000 |
| Interest expense | 137,000 | 253,000 | 361,000 | 458,000 |
| Net interest income | 252,000 | 484,000 | 738,000 | 985,000 |
| Noninterest income | 51,000 | 92,000 | 138,000 | 188,000 |
| Noninterest expense | 162,000 | 345,000 | 511,000 | 718,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 141,000 | 231,000 | 365,000 | 455,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 141,000 | 231,000 | 365,000 | 455,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,761,000 | 5,771,000 | 5,890,000 | 5,955,000 |
| Total capital | 5,948,000 | 5,974,000 | 6,117,000 | 6,116,000 |
| Risk-weighted assets | 14,877,000 | 16,231,000 | 18,175,000 | 17,715,000 |