Call reports 2009
CITIZENS NATIONAL BANK OF AKRON, THE — 2009
What CITIZENS NATIONAL BANK OF AKRON, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 |
|---|---|---|---|
| Total assets | 45,217,000 | 48,050,000 | 47,036,000 |
| Total loans | 29,872,000 | 30,814,000 | 31,762,000 |
| Allowance for loan losses | 376,000 | 385,000 | 394,000 |
| Securities available for sale | 13,590,000 | 12,876,000 | 13,325,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 35,488,000 | 38,688,000 | 37,131,000 |
| Interest-bearing deposits | 29,786,000 | 32,860,000 | 31,744,000 |
| Noninterest-bearing deposits | 5,702,000 | 5,828,000 | 5,387,000 |
| Equity capital | 8,618,000 | 8,623,000 | 8,875,000 |
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 |
|---|---|---|---|
| Interest income | 630,000 | 1,263,000 | 1,908,000 |
| Interest expense | 170,000 | 344,000 | 508,000 |
| Net interest income | 460,000 | 919,000 | 1,400,000 |
| Noninterest income | 22,000 | 46,000 | 98,000 |
| Noninterest expense | 311,000 | 650,000 | 975,000 |
| Provision for loan losses | 6,000 | 15,000 | 24,000 |
| Pretax income | 165,000 | 300,000 | 495,000 |
| Income tax | 36,000 | 68,000 | 107,000 |
| Net income | 129,000 | 232,000 | 388,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 |
|---|---|---|---|
| Tier 1 capital | 8,483,000 | 8,536,000 | 8,643,000 |
| Total capital | 8,859,000 | 8,921,000 | 9,037,000 |
| Risk-weighted assets | 30,735,000 | 31,991,000 | 32,174,000 |