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 | 63,508,000 | 64,253,000 | 71,085,000 | 70,907,000 |
| Total loans | 53,932,000 | 54,233,000 | 61,425,000 | 61,307,000 |
| Allowance for loan losses | 565,000 | 568,000 | 574,000 | 622,000 |
| Securities available for sale | 5,954,000 | 5,954,000 | 5,922,000 | 5,860,000 |
| Securities held to maturity | 753,000 | 731,000 | 706,000 | 680,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,004,000 | 56,487,000 | 53,755,000 | 54,452,000 |
| Interest-bearing deposits | 46,020,000 | 48,727,000 | 45,392,000 | 46,617,000 |
| Noninterest-bearing deposits | 6,984,000 | 7,760,000 | 8,363,000 | 7,835,000 |
| Equity capital | 6,928,000 | 7,191,000 | 7,418,000 | 7,711,000 |
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 | 996,000 | 2,014,000 | 2,987,000 | 4,264,000 |
| Interest expense | 209,000 | 453,000 | 735,000 | 1,101,000 |
| Net interest income | 787,000 | 1,561,000 | 2,252,000 | 3,163,000 |
| Noninterest income | 61,000 | 116,000 | 180,000 | 253,000 |
| Noninterest expense | 391,000 | 786,000 | 1,134,000 | 1,523,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 457,000 | 891,000 | 1,298,000 | 1,843,000 |
| Income tax | 179,000 | 347,000 | 505,000 | 717,000 |
| Net income | 278,000 | 544,000 | 793,000 | 1,126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,926,000 | 7,191,000 | 7,440,000 | 7,773,000 |
| Total capital | 7,491,000 | 7,759,000 | 8,014,000 | 8,395,000 |
| Risk-weighted assets | 58,274,000 | 58,116,000 | 65,900,000 | 65,625,000 |