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 | 271,376,000 | 270,410,000 | 313,033,000 | 324,608,000 |
| Total loans | 140,253,000 | 143,113,000 | 152,185,000 | 159,222,000 |
| Allowance for loan losses | 933,000 | 794,000 | 611,000 | 760,000 |
| Securities available for sale | 84,512,000 | 80,648,000 | 105,419,000 | 109,554,000 |
| Securities held to maturity | 41,000 | 39,000 | 35,000 | 34,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,525,000 | 190,703,000 | 229,049,000 | 245,634,000 |
| Interest-bearing deposits | 174,349,000 | 179,080,000 | 218,867,000 | 234,356,000 |
| Noninterest-bearing deposits | 12,176,000 | 11,623,000 | 10,182,000 | 11,278,000 |
| Equity capital | 42,910,000 | 43,106,000 | 43,890,000 | 43,873,000 |
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 | 2,595,000 | 6,283,000 | 10,760,000 | 15,088,000 |
| Interest expense | 1,126,000 | 2,757,000 | 5,068,000 | 7,674,000 |
| Net interest income | 1,469,000 | 3,526,000 | 5,692,000 | 7,414,000 |
| Noninterest income | 501,000 | 1,080,000 | 1,644,000 | 2,118,000 |
| Noninterest expense | 1,311,000 | 3,271,000 | 5,420,000 | 6,900,000 |
| Provision for loan losses | 50,000 | 110,000 | 205,000 | 355,000 |
| Pretax income | 578,000 | 993,000 | 1,476,000 | 1,927,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 578,000 | 993,000 | 1,476,000 | 1,927,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,735,000 | 18,269,000 | 18,372,000 | 19,236,000 |
| Total capital | 18,668,000 | 19,063,000 | 18,983,000 | 19,996,000 |
| Risk-weighted assets | 155,129,000 | 158,739,000 | 177,605,000 | 179,356,000 |