Call reports 2006
CITIZENS NATIONAL BANK, THE — 2006
What CITIZENS NATIONAL BANK, THE 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 | 139,528,000 | 136,736,000 | 137,186,000 | 144,397,000 |
| Total loans | 62,058,000 | 62,525,000 | 63,138,000 | 62,642,000 |
| Allowance for loan losses | 1,003,000 | 959,000 | 992,000 | 1,013,000 |
| Securities available for sale | 66,409,000 | 63,449,000 | 66,071,000 | 68,057,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,961,000 | 126,003,000 | 125,555,000 | 133,095,000 |
| Interest-bearing deposits | 103,830,000 | 104,281,000 | 105,569,000 | 111,196,000 |
| Noninterest-bearing deposits | 22,131,000 | 21,722,000 | 19,986,000 | 21,899,000 |
| Equity capital | 10,773,000 | 10,159,000 | 10,931,000 | 10,723,000 |
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 | 1,840,000 | 3,700,000 | 5,600,000 | 7,555,000 |
| Interest expense | 647,000 | 1,363,000 | 2,128,000 | 2,959,000 |
| Net interest income | 1,193,000 | 2,337,000 | 3,472,000 | 4,596,000 |
| Noninterest income | 475,000 | 921,000 | 1,353,000 | 1,772,000 |
| Noninterest expense | 1,241,000 | 2,376,000 | 3,591,000 | 4,820,000 |
| Provision for loan losses | 33,000 | 66,000 | 100,000 | 135,000 |
| Pretax income | 370,000 | 792,000 | 1,110,000 | 1,389,000 |
| Income tax | 79,000 | 173,000 | 227,000 | 269,000 |
| Net income | 291,000 | 619,000 | 883,000 | 1,120,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,245,000 | 11,031,000 | 11,300,000 | 10,995,000 |
| Total capital | 12,248,000 | 11,990,000 | 12,292,000 | 12,008,000 |
| Risk-weighted assets | 92,368,000 | 87,051,000 | 91,401,000 | 88,445,000 |