Call reports 2010
CITIZENS NATIONAL BANK, THE — 2010
What CITIZENS NATIONAL BANK, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 162,832,000 | 161,984,000 | 170,510,000 | 175,297,000 |
| Total loans | 64,722,000 | 67,056,000 | 67,236,000 | 73,710,000 |
| Allowance for loan losses | 1,050,000 | 1,055,000 | 1,055,000 | 1,030,000 |
| Securities available for sale | 91,855,000 | 84,195,000 | 94,163,000 | 94,955,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,574,000 | 145,885,000 | 154,031,000 | 156,125,000 |
| Interest-bearing deposits | 126,368,000 | 126,680,000 | 130,075,000 | 132,609,000 |
| Noninterest-bearing deposits | 21,206,000 | 19,205,000 | 23,956,000 | 23,516,000 |
| Equity capital | 13,956,000 | 14,595,000 | 14,919,000 | 14,493,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,853,000 | 3,694,000 | 5,567,000 | 7,416,000 |
| Interest expense | 459,000 | 915,000 | 1,369,000 | 1,796,000 |
| Net interest income | 1,394,000 | 2,779,000 | 4,198,000 | 5,620,000 |
| Noninterest income | 385,000 | 820,000 | 1,278,000 | 1,739,000 |
| Noninterest expense | 1,273,000 | 2,526,000 | 3,842,000 | 5,144,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 491,000 | 1,054,000 | 1,600,000 | 2,166,000 |
| Income tax | 130,000 | 287,000 | 439,000 | 599,000 |
| Net income | 361,000 | 767,000 | 1,161,000 | 1,567,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,670,000 | 12,903,000 | 13,123,000 | 13,356,000 |
| Total capital | 13,594,000 | 13,840,000 | 14,059,000 | 14,362,000 |
| Risk-weighted assets | 73,757,000 | 74,873,000 | 74,800,000 | 80,452,000 |