Call reports 2005
CITIZENS NATIONAL BANK, THE — 2005
What CITIZENS NATIONAL BANK, THE 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 | 1,259,041,000 | 1,300,605,000 | 1,321,706,000 | 1,343,521,000 |
| Total loans | 976,945,000 | 1,009,858,000 | 1,029,025,000 | 1,048,326,000 |
| Allowance for loan losses | 10,888,000 | 10,972,000 | 11,084,000 | 11,303,000 |
| Securities available for sale | 191,258,000 | 190,211,000 | 187,635,000 | 190,259,000 |
| Securities held to maturity | 600,000 | 600,000 | 600,000 | 600,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 970,527,000 | 1,002,554,000 | 1,053,320,000 | 1,052,429,000 |
| Interest-bearing deposits | 680,815,000 | 704,483,000 | 758,130,000 | 761,113,000 |
| Noninterest-bearing deposits | 289,712,000 | 298,071,000 | 295,190,000 | 291,316,000 |
| Equity capital | 144,956,000 | 147,441,000 | 149,289,000 | 152,008,000 |
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 | 15,352,000 | 31,637,000 | 49,022,000 | 66,869,000 |
| Interest expense | 3,040,000 | 6,548,000 | 10,675,000 | 15,353,000 |
| Net interest income | 12,312,000 | 25,089,000 | 38,347,000 | 51,516,000 |
| Noninterest income | 1,748,000 | 3,680,000 | 5,678,000 | 7,659,000 |
| Noninterest expense | 6,253,000 | 12,618,000 | 19,096,000 | 25,898,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 7,807,000 | 16,151,000 | 24,929,000 | 33,277,000 |
| Income tax | 3,001,000 | 6,219,000 | 9,609,000 | 12,776,000 |
| Net income | 4,806,000 | 9,932,000 | 15,320,000 | 20,501,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 95,966,000 | 97,641,000 | 100,391,000 | 103,600,000 |
| Total capital | 143,857,000 | 145,645,000 | 148,475,000 | 151,903,000 |
| Risk-weighted assets | 1,035,469,000 | 1,086,314,000 | 1,111,537,000 | 1,139,217,000 |