Call reports 2009
CITIZENS NATIONAL BANK, THE — 2009
What CITIZENS NATIONAL BANK, 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 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 145,611,000 | 145,084,000 | 152,509,000 | 156,595,000 |
| Total loans | 54,769,000 | 59,265,000 | 61,418,000 | 64,224,000 |
| Allowance for loan losses | 1,023,000 | 1,017,000 | 1,026,000 | 1,032,000 |
| Securities available for sale | 81,689,000 | 77,854,000 | 85,555,000 | 80,089,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,278,000 | 131,731,000 | 135,663,000 | 142,210,000 |
| Interest-bearing deposits | 109,796,000 | 111,822,000 | 115,969,000 | 119,682,000 |
| Noninterest-bearing deposits | 21,482,000 | 19,909,000 | 19,694,000 | 22,528,000 |
| Equity capital | 13,576,000 | 12,463,000 | 13,364,000 | 13,493,000 |
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 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,890,000 | 3,765,000 | 5,629,000 | 7,511,000 |
| Interest expense | 539,000 | 1,042,000 | 1,551,000 | 2,031,000 |
| Net interest income | 1,351,000 | 2,723,000 | 4,078,000 | 5,480,000 |
| Noninterest income | 387,000 | 827,000 | 1,241,000 | 1,639,000 |
| Noninterest expense | 1,205,000 | 2,518,000 | 3,737,000 | 4,969,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 518,000 | 1,002,000 | 1,535,000 | 2,088,000 |
| Income tax | 132,000 | 253,000 | 398,000 | 549,000 |
| Net income | 386,000 | 749,000 | 1,137,000 | 1,539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,813,000 | 11,680,000 | 12,076,000 | 12,483,000 |
| Total capital | 13,617,000 | 12,531,000 | 12,957,000 | 13,413,000 |
| Risk-weighted assets | 64,077,000 | 67,886,000 | 70,302,000 | 74,303,000 |