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 | 328,623,000 | 341,260,000 | 384,408,000 | 453,322,000 |
| Total loans | 156,247,000 | 170,022,000 | 193,979,000 | 206,146,000 |
| Allowance for loan losses | 861,000 | 865,000 | 914,000 | 1,087,000 |
| Securities available for sale | 109,970,000 | 124,589,000 | 144,478,000 | 200,364,000 |
| Securities held to maturity | 31,000 | 28,000 | 25,000 | 24,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 252,872,000 | 257,477,000 | 287,238,000 | 354,342,000 |
| Interest-bearing deposits | 242,872,000 | 246,957,000 | 275,939,000 | 343,177,000 |
| Noninterest-bearing deposits | 10,000,000 | 10,520,000 | 11,299,000 | 11,165,000 |
| Equity capital | 43,719,000 | 42,172,000 | 48,566,000 | 52,576,000 |
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 | 4,707,000 | 9,491,000 | 14,929,000 | 21,524,000 |
| Interest expense | 2,736,000 | 5,555,000 | 8,817,000 | 12,759,000 |
| Net interest income | 1,971,000 | 3,936,000 | 6,112,000 | 8,765,000 |
| Noninterest income | 595,000 | 1,189,000 | 1,864,000 | 2,553,000 |
| Noninterest expense | 1,958,000 | 3,895,000 | 5,899,000 | 8,077,000 |
| Provision for loan losses | 250,000 | 250,000 | 325,000 | 478,000 |
| Pretax income | 318,000 | 890,000 | 1,307,000 | 2,290,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 318,000 | 890,000 | 1,307,000 | 2,290,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,929,000 | 18,616,000 | 22,596,000 | 25,605,000 |
| Total capital | 19,790,000 | 19,481,000 | 23,510,000 | 26,692,000 |
| Risk-weighted assets | 186,452,000 | 200,515,000 | 225,001,000 | 249,879,000 |