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 | 65,548,000 | 66,742,000 | 64,948,000 | 75,667,000 |
| Total loans | 57,908,000 | 56,373,000 | 56,612,000 | 63,405,000 |
| Allowance for loan losses | 599,000 | 594,000 | 592,000 | 649,000 |
| Securities available for sale | 309,000 | 293,000 | 1,695,000 | 8,499,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 916,000 | 785,000 |
| Total deposits | 55,850,000 | 57,023,000 | 55,001,000 | 54,101,000 |
| Interest-bearing deposits | 47,980,000 | 49,576,000 | 47,008,000 | 45,189,000 |
| Noninterest-bearing deposits | 7,870,000 | 7,447,000 | 7,993,000 | 8,912,000 |
| Equity capital | 9,285,000 | 9,507,000 | 9,731,000 | 10,152,000 |
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 | 1,159,000 | 2,322,000 | 3,469,000 | 4,801,000 |
| Interest expense | 403,000 | 835,000 | 1,266,000 | 1,706,000 |
| Net interest income | 756,000 | 1,487,000 | 2,203,000 | 3,095,000 |
| Noninterest income | 54,000 | 110,000 | 194,000 | 123,000 |
| Noninterest expense | 415,000 | 852,000 | 1,306,000 | 1,742,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 387,000 | 737,000 | 1,083,000 | 1,418,000 |
| Income tax | 140,000 | 266,000 | 391,000 | 511,000 |
| Net income | 247,000 | 471,000 | 692,000 | 907,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,283,000 | 9,506,000 | 9,728,000 | 9,943,000 |
| Total capital | 9,882,000 | 10,100,000 | 10,320,000 | 10,741,000 |
| Risk-weighted assets | 56,377,000 | 55,640,000 | 57,565,000 | 65,794,000 |