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 | 214,682,000 | 217,060,000 | 229,519,000 | 252,993,000 |
| Total loans | 142,821,000 | 142,292,000 | 144,339,000 | 140,892,000 |
| Allowance for loan losses | 832,000 | 859,000 | 854,000 | 882,000 |
| Securities available for sale | 47,987,000 | 52,404,000 | 59,498,000 | 80,841,000 |
| Securities held to maturity | 52,000 | 49,000 | 45,000 | 43,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,933,000 | 165,649,000 | 182,822,000 | 187,842,000 |
| Interest-bearing deposits | 160,153,000 | 152,761,000 | 172,324,000 | 177,109,000 |
| Noninterest-bearing deposits | 10,780,000 | 12,888,000 | 10,498,000 | 10,733,000 |
| Equity capital | 20,281,000 | 20,920,000 | 21,230,000 | 21,804,000 |
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 | 2,593,000 | 5,382,000 | 8,303,000 | 11,390,000 |
| Interest expense | 813,000 | 1,711,000 | 2,816,000 | 4,192,000 |
| Net interest income | 1,780,000 | 3,671,000 | 5,487,000 | 7,198,000 |
| Noninterest income | 567,000 | 1,214,000 | 1,793,000 | 2,368,000 |
| Noninterest expense | 1,781,000 | 3,672,000 | 5,520,000 | 7,298,000 |
| Provision for loan losses | 0 | 100,000 | 100,000 | 100,000 |
| Pretax income | 566,000 | 1,060,000 | 1,580,000 | 2,066,000 |
| Income tax | 170,000 | 288,000 | 378,000 | 378,000 |
| Net income | 396,000 | 772,000 | 1,202,000 | 1,688,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,090,000 | 16,498,000 | 16,960,000 | 17,477,000 |
| Total capital | 16,955,000 | 17,390,000 | 17,849,000 | 18,396,000 |
| Risk-weighted assets | 137,371,000 | 140,882,000 | 146,490,000 | 150,711,000 |