Call reports 2011
CITIZENS NATIONAL BANK, THE — 2011
What CITIZENS NATIONAL BANK, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 177,023,000 | 178,229,000 | 176,689,000 | 176,251,000 |
| Total loans | 68,436,000 | 68,785,000 | 69,392,000 | 73,305,000 |
| Allowance for loan losses | 1,046,000 | 1,080,000 | 1,110,000 | 1,122,000 |
| Securities available for sale | 102,916,000 | 103,154,000 | 96,618,000 | 94,659,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,165,000 | 160,406,000 | 159,086,000 | 158,999,000 |
| Interest-bearing deposits | 135,828,000 | 137,747,000 | 132,152,000 | 135,157,000 |
| Noninterest-bearing deposits | 25,337,000 | 22,659,000 | 26,934,000 | 23,842,000 |
| Equity capital | 14,680,000 | 15,521,000 | 15,986,000 | 15,894,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,812,000 | 3,678,000 | 5,467,000 | 7,175,000 |
| Interest expense | 410,000 | 789,000 | 1,131,000 | 1,444,000 |
| Net interest income | 1,402,000 | 2,889,000 | 4,336,000 | 5,731,000 |
| Noninterest income | 409,000 | 854,000 | 1,313,000 | 1,758,000 |
| Noninterest expense | 1,292,000 | 2,581,000 | 3,817,000 | 5,178,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 489,000 | 1,129,000 | 1,817,000 | 2,266,000 |
| Income tax | 134,000 | 326,000 | 537,000 | 661,000 |
| Net income | 355,000 | 803,000 | 1,280,000 | 1,605,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,532,000 | 13,801,000 | 14,098,000 | 14,245,000 |
| Total capital | 14,507,000 | 14,784,000 | 15,078,000 | 15,265,000 |
| Risk-weighted assets | 77,915,000 | 78,568,000 | 78,296,000 | 81,494,000 |