Call reports 2008
CITIZENS NATIONAL BANK, THE — 2008
What CITIZENS NATIONAL BANK, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 146,966,000 | 147,636,000 | 144,970,000 | 143,790,000 |
| Total loans | 56,980,000 | 58,647,000 | 57,058,000 | 56,915,000 |
| Allowance for loan losses | 1,079,000 | 1,071,000 | 1,083,000 | 1,073,000 |
| Securities available for sale | 82,551,000 | 78,330,000 | 82,227,000 | 80,454,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,865,000 | 135,539,000 | 129,299,000 | 130,266,000 |
| Interest-bearing deposits | 111,379,000 | 115,362,000 | 109,528,000 | 110,978,000 |
| Noninterest-bearing deposits | 22,486,000 | 20,177,000 | 19,771,000 | 19,288,000 |
| Equity capital | 12,179,000 | 11,494,000 | 11,995,000 | 12,988,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,023,000 | 4,015,000 | 6,020,000 | 7,982,000 |
| Interest expense | 844,000 | 1,599,000 | 2,304,000 | 2,904,000 |
| Net interest income | 1,179,000 | 2,416,000 | 3,716,000 | 5,078,000 |
| Noninterest income | 408,000 | 860,000 | 1,299,000 | 1,711,000 |
| Noninterest expense | 1,210,000 | 2,484,000 | 3,749,000 | 4,972,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 362,000 | 762,000 | 1,221,000 | 1,757,000 |
| Income tax | 74,000 | 161,000 | 270,000 | 404,000 |
| Net income | 288,000 | 601,000 | 951,000 | 1,353,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,334,000 | 11,653,000 | 12,010,000 | 12,418,000 |
| Total capital | 12,388,000 | 12,724,000 | 12,836,000 | 13,232,000 |
| Risk-weighted assets | 86,347,000 | 88,743,000 | 65,827,000 | 65,338,000 |