Call reports 2009
CITIZENS NATIONAL BANK OF CHEBOYGAN — 2009
What CITIZENS NATIONAL BANK OF CHEBOYGAN 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 | 263,244,000 | 257,947,000 | 260,531,000 | 249,502,000 |
| Total loans | 168,385,000 | 164,443,000 | 158,113,000 | 151,034,000 |
| Allowance for loan losses | 2,171,000 | 2,212,000 | 3,287,000 | 2,863,000 |
| Securities available for sale | 40,617,000 | 44,149,000 | 53,657,000 | 45,472,000 |
| Securities held to maturity | 10,389,000 | 8,652,000 | 10,845,000 | 10,302,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,084,000 | 232,997,000 | 235,500,000 | 224,611,000 |
| Interest-bearing deposits | 203,824,000 | 191,689,000 | 195,599,000 | 184,542,000 |
| Noninterest-bearing deposits | 36,260,000 | 41,308,000 | 39,901,000 | 40,069,000 |
| Equity capital | 17,666,000 | 19,227,000 | 19,515,000 | 20,271,000 |
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 | 3,207,000 | 6,357,000 | 9,276,000 | 12,168,000 |
| Interest expense | 989,000 | 1,920,000 | 2,789,000 | 3,500,000 |
| Net interest income | 2,218,000 | 4,437,000 | 6,487,000 | 8,668,000 |
| Noninterest income | 388,000 | 796,000 | 1,348,000 | 1,617,000 |
| Noninterest expense | 1,918,000 | 4,107,000 | 6,158,000 | 8,420,000 |
| Provision for loan losses | 275,000 | 500,000 | 1,725,000 | 1,725,000 |
| Pretax income | 377,000 | 1,209,000 | 535,000 | 1,902,000 |
| Income tax | 53,000 | 70,000 | -226,000 | -228,000 |
| Net income | 324,000 | 1,139,000 | 761,000 | 2,130,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,968,000 | 19,994,000 | 19,609,000 | 20,976,000 |
| Total capital | 21,118,000 | 22,074,000 | 21,645,000 | 22,909,000 |
| Risk-weighted assets | 171,479,000 | 166,306,000 | 161,662,000 | 153,924,000 |