Call reports 2007
CITIZENS NATIONAL BANK, THE — 2007
What CITIZENS NATIONAL BANK, THE 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 | 141,392,000 | 136,515,000 | 148,544,000 | 146,556,000 |
| Total loans | 59,578,000 | 59,757,000 | 58,107,000 | 58,116,000 |
| Allowance for loan losses | 1,049,000 | 1,064,000 | 1,064,000 | 1,068,000 |
| Securities available for sale | 71,068,000 | 69,405,000 | 77,846,000 | 77,472,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,736,000 | 125,139,000 | 136,287,000 | 134,613,000 |
| Interest-bearing deposits | 107,322,000 | 102,704,000 | 112,003,000 | 108,274,000 |
| Noninterest-bearing deposits | 22,414,000 | 22,435,000 | 24,284,000 | 26,339,000 |
| Equity capital | 10,993,000 | 10,758,000 | 11,536,000 | 11,325,000 |
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 | 1,954,000 | 3,914,000 | 5,918,000 | 7,989,000 |
| Interest expense | 851,000 | 1,719,000 | 2,620,000 | 3,547,000 |
| Net interest income | 1,103,000 | 2,195,000 | 3,298,000 | 4,442,000 |
| Noninterest income | 394,000 | 825,000 | 1,266,000 | 1,726,000 |
| Noninterest expense | 1,215,000 | 2,474,000 | 3,692,000 | 4,888,000 |
| Provision for loan losses | 27,000 | 48,000 | 69,000 | 88,000 |
| Pretax income | 255,000 | 498,000 | 803,000 | 1,192,000 |
| Income tax | 33,000 | 62,000 | 114,000 | 198,000 |
| Net income | 222,000 | 436,000 | 689,000 | 994,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,223,000 | 11,444,000 | 11,703,000 | 11,040,000 |
| Total capital | 12,272,000 | 12,508,000 | 12,767,000 | 12,108,000 |
| Risk-weighted assets | 85,563,000 | 85,746,000 | 88,016,000 | 86,609,000 |