Call reports 2006
CITIZENS NATIONAL BANK — 2006
What CITIZENS NATIONAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 120,075,000 | 131,166,000 | 138,267,000 | 136,062,000 |
| Total loans | 98,525,000 | 110,423,000 | 118,254,000 | 116,150,000 |
| Allowance for loan losses | 1,039,000 | 1,455,000 | 1,221,000 | 1,409,000 |
| Securities available for sale | 4,625,000 | 4,268,000 | 3,823,000 | 3,522,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,678,000 | 116,495,000 | 123,670,000 | 118,997,000 |
| Interest-bearing deposits | 79,224,000 | 89,173,000 | 94,796,000 | 90,392,000 |
| Noninterest-bearing deposits | 26,454,000 | 27,322,000 | 28,874,000 | 28,605,000 |
| Equity capital | 12,552,000 | 12,752,000 | 12,724,000 | 11,287,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,052,000 | 4,405,000 | 7,673,000 | 10,557,000 |
| Interest expense | 546,000 | 1,226,000 | 2,093,000 | 3,077,000 |
| Net interest income | 1,506,000 | 3,179,000 | 5,580,000 | 7,480,000 |
| Noninterest income | 566,000 | 1,076,000 | 914,000 | 1,238,000 |
| Noninterest expense | 1,491,000 | 2,943,000 | 4,477,000 | 6,135,000 |
| Provision for loan losses | 150,000 | 570,000 | 1,315,000 | 4,135,000 |
| Pretax income | 431,000 | 742,000 | 702,000 | -1,552,000 |
| Income tax | 149,000 | 260,000 | 246,000 | -566,000 |
| Net income | 282,000 | 482,000 | 456,000 | -986,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,521,000 | 12,739,000 | 12,694,000 | 11,252,000 |
| Total capital | 13,560,000 | 14,162,000 | 13,915,000 | 12,661,000 |
| Risk-weighted assets | 99,926,000 | 113,756,000 | 122,938,000 | 120,711,000 |