Call reports 2007
CITIZENS NATIONAL BANK — 2007
What CITIZENS NATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 161,558,000 | 139,961,000 | 139,375,000 | 139,604,000 |
| Total loans | 117,211,000 | 118,310,000 | 113,125,000 | 107,161,000 |
| Allowance for loan losses | 1,582,000 | 1,618,000 | 1,517,000 | 1,607,000 |
| Securities available for sale | 3,106,000 | 2,466,000 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,271,000 | 126,860,000 | 126,474,000 | 110,706,000 |
| Interest-bearing deposits | 121,119,000 | 102,120,000 | 98,904,000 | 82,755,000 |
| Noninterest-bearing deposits | 27,152,000 | 24,740,000 | 27,570,000 | 27,951,000 |
| Equity capital | 11,330,000 | 11,490,000 | 11,159,000 | 25,181,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,954,000 | 6,105,000 | 8,856,000 | 2,383,000 |
| Interest expense | 1,182,000 | 2,497,000 | 3,555,000 | 938,000 |
| Net interest income | 1,772,000 | 3,608,000 | 5,301,000 | 1,445,000 |
| Noninterest income | 274,000 | 530,000 | 756,000 | 189,000 |
| Noninterest expense | 1,761,000 | 3,430,000 | 5,027,000 | 1,765,000 |
| Provision for loan losses | 225,000 | 400,000 | 1,378,000 | 350,000 |
| Pretax income | 60,000 | 308,000 | -348,000 | -481,000 |
| Income tax | 8,000 | 105,000 | -117,000 | -174,000 |
| Net income | 52,000 | 203,000 | -231,000 | -307,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,295,000 | 11,455,000 | 11,146,000 | 12,954,000 |
| Total capital | 12,862,000 | 12,988,000 | 12,589,000 | 14,364,000 |
| Risk-weighted assets | 125,407,000 | 122,591,000 | 115,394,000 | 116,447,000 |