Call reports 2005
CITIZENS NATIONAL BANK, THE — 2005
What CITIZENS NATIONAL BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 144,241,000 | 142,191,000 | 141,007,000 | 140,810,000 |
| Total loans | 66,309,000 | 66,669,000 | 65,140,000 | 63,454,000 |
| Allowance for loan losses | 956,000 | 983,000 | 994,000 | 986,000 |
| Securities available for sale | 69,330,000 | 66,280,000 | 62,990,000 | 65,963,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,855,000 | 128,483,000 | 127,360,000 | 127,818,000 |
| Interest-bearing deposits | 112,061,000 | 110,905,000 | 107,923,000 | 107,905,000 |
| Noninterest-bearing deposits | 18,794,000 | 17,578,000 | 19,437,000 | 19,913,000 |
| Equity capital | 10,812,000 | 11,261,000 | 11,120,000 | 10,593,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,819,000 | 3,652,000 | 5,477,000 | 7,319,000 |
| Interest expense | 483,000 | 990,000 | 1,525,000 | 2,088,000 |
| Net interest income | 1,336,000 | 2,662,000 | 3,952,000 | 5,231,000 |
| Noninterest income | 315,000 | 724,000 | 1,251,000 | 1,753,000 |
| Noninterest expense | 1,168,000 | 2,383,000 | 3,597,000 | 4,777,000 |
| Provision for loan losses | 32,000 | 63,000 | 95,000 | 126,000 |
| Pretax income | 451,000 | 939,000 | 1,499,000 | 2,069,000 |
| Income tax | 106,000 | 229,000 | 376,000 | 527,000 |
| Net income | 345,000 | 710,000 | 1,123,000 | 1,542,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,957,000 | 11,003,000 | 11,048,000 | 10,948,000 |
| Total capital | 11,913,000 | 11,986,000 | 12,042,000 | 11,934,000 |
| Risk-weighted assets | 90,087,000 | 89,429,000 | 88,940,000 | 94,553,000 |