Call reports 2005
CITIZENS NATIONAL BANK — 2005
What CITIZENS NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 100,183,000 | 108,773,000 | 112,228,000 | 113,452,000 |
| Total loans | 84,269,000 | 86,152,000 | 86,927,000 | 94,161,000 |
| Allowance for loan losses | 861,000 | 971,000 | 1,058,000 | 1,003,000 |
| Securities available for sale | 4,811,000 | 4,495,000 | 4,003,000 | 4,329,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,226,000 | 96,586,000 | 98,461,000 | 99,273,000 |
| Interest-bearing deposits | 65,367,000 | 73,893,000 | 74,044,000 | 71,090,000 |
| Noninterest-bearing deposits | 24,859,000 | 22,693,000 | 24,417,000 | 28,183,000 |
| Equity capital | 8,163,000 | 10,310,000 | 11,889,000 | 12,269,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,564,000 | 3,270,000 | 5,105,000 | 7,098,000 |
| Interest expense | 334,000 | 753,000 | 1,265,000 | 1,755,000 |
| Net interest income | 1,230,000 | 2,517,000 | 3,840,000 | 5,343,000 |
| Noninterest income | 546,000 | 956,000 | 1,412,000 | 1,887,000 |
| Noninterest expense | 1,375,000 | 2,745,000 | 4,106,000 | 5,360,000 |
| Provision for loan losses | 120,000 | 250,000 | 700,000 | 800,000 |
| Pretax income | 281,000 | 478,000 | 446,000 | 1,070,000 |
| Income tax | 88,000 | 159,000 | 148,000 | 404,000 |
| Net income | 193,000 | 335,000 | 314,000 | 682,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,144,000 | 10,286,000 | 11,500,000 | 12,238,000 |
| Total capital | 9,005,000 | 11,257,000 | 12,558,000 | 13,241,000 |
| Risk-weighted assets | 83,471,000 | 87,173,000 | 95,220,000 | 100,841,000 |