Call reports 2009
CITIZENS NATIONAL BANK — 2009
What CITIZENS NATIONAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 |
|---|---|---|---|
| Total assets | 101,962,000 | 105,546,000 | 118,236,000 |
| Total loans | 93,048,000 | 89,847,000 | 88,320,000 |
| Allowance for loan losses | 1,127,000 | 926,000 | 1,129,000 |
| Securities available for sale | 2,164,000 | 2,445,000 | 2,898,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 77,213,000 | 80,650,000 | 97,590,000 |
| Interest-bearing deposits | 67,989,000 | 72,219,000 | 89,648,000 |
| Noninterest-bearing deposits | 9,224,000 | 8,431,000 | 7,942,000 |
| Equity capital | 9,046,000 | 9,442,000 | 10,061,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 |
|---|---|---|---|
| Interest income | 1,646,000 | 3,321,000 | 5,069,000 |
| Interest expense | 608,000 | 1,136,000 | 1,582,000 |
| Net interest income | 1,038,000 | 2,185,000 | 3,487,000 |
| Noninterest income | 64,000 | 39,000 | 106,000 |
| Noninterest expense | 555,000 | 1,164,000 | 1,803,000 |
| Provision for loan losses | 0 | 163,000 | 395,000 |
| Pretax income | 549,000 | 899,000 | 1,341,000 |
| Income tax | 202,000 | 330,000 | 485,000 |
| Net income | 347,000 | 569,000 | 856,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 |
|---|---|---|---|
| Tier 1 capital | 9,561,000 | 9,636,000 | 8,581,000 |
| Total capital | 10,615,000 | 10,623,000 | 9,844,000 |
| Risk-weighted assets | 95,171,000 | 92,927,000 | 93,428,000 |