Call reports 2008
CITIZENS NATIONAL BANK — 2008
What CITIZENS NATIONAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 480,873,000 | 461,002,000 | 452,398,000 | 445,660,000 |
| Total loans | 202,330,000 | 200,026,000 | 207,092,000 | 196,212,000 |
| Allowance for loan losses | 1,547,000 | 2,371,000 | 2,362,000 | 3,418,000 |
| Securities available for sale | 236,474,000 | 220,185,000 | 184,467,000 | 195,436,000 |
| Securities held to maturity | 23,000 | 21,000 | 19,000 | 18,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 390,019,000 | 388,753,000 | 399,827,000 | 392,795,000 |
| Interest-bearing deposits | 373,329,000 | 368,331,000 | 378,153,000 | 374,692,000 |
| Noninterest-bearing deposits | 16,690,000 | 20,422,000 | 21,674,000 | 18,103,000 |
| Equity capital | 50,260,000 | 37,315,000 | 23,245,000 | 23,369,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,757,000 | 15,346,000 | 22,739,000 | 29,667,000 |
| Interest expense | 4,350,000 | 8,400,000 | 12,576,000 | 16,569,000 |
| Net interest income | 3,407,000 | 6,946,000 | 10,163,000 | 13,098,000 |
| Noninterest income | 313,000 | 866,000 | 1,468,000 | 2,169,000 |
| Noninterest expense | 2,035,000 | 4,178,000 | 6,532,000 | 8,843,000 |
| Provision for loan losses | 511,000 | 1,323,000 | 2,073,000 | 5,223,000 |
| Pretax income | 1,010,000 | 2,190,000 | -6,930,000 | -13,763,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,010,000 | 2,190,000 | -6,930,000 | -13,763,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,951,000 | 28,205,000 | 20,237,000 | 13,517,000 |
| Total capital | 27,498,000 | 30,576,000 | 22,599,000 | 16,935,000 |
| Risk-weighted assets | 254,134,000 | 390,599,000 | 369,096,000 | 341,674,000 |