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 | 64,206,000 | 60,910,000 | 63,337,000 | 62,986,000 |
| Total loans | 59,016,000 | 57,401,000 | 59,306,000 | 58,666,000 |
| Allowance for loan losses | 623,000 | 602,000 | 604,000 | 600,000 |
| Securities available for sale | 972,000 | 982,000 | 488,000 | 1,092,000 |
| Securities held to maturity | 652,000 | 631,000 | 611,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,382,000 | 51,678,000 | 51,367,000 | 53,711,000 |
| Interest-bearing deposits | 47,358,000 | 44,419,000 | 43,708,000 | 46,609,000 |
| Noninterest-bearing deposits | 8,024,000 | 7,259,000 | 7,659,000 | 7,102,000 |
| Equity capital | 8,210,000 | 8,451,000 | 8,722,000 | 9,033,000 |
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 | 1,536,000 | 2,583,000 | 3,705,000 | 4,835,000 |
| Interest expense | 360,000 | 668,000 | 1,017,000 | 1,393,000 |
| Net interest income | 1,176,000 | 1,915,000 | 2,688,000 | 3,442,000 |
| Noninterest income | 53,000 | 105,000 | 171,000 | 231,000 |
| Noninterest expense | 399,000 | 807,000 | 1,210,000 | 1,617,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 743,000 | 1,126,000 | 1,567,000 | 1,974,000 |
| Income tax | 290,000 | 439,000 | 611,000 | 711,000 |
| Net income | 453,000 | 687,000 | 956,000 | 1,263,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,227,000 | 8,461,000 | 8,729,000 | 9,036,000 |
| Total capital | 8,850,000 | 9,063,000 | 9,333,000 | 9,636,000 |
| Risk-weighted assets | 58,202,000 | 55,446,000 | 56,566,000 | 56,477,000 |