Call reports 2006
CITIZENS NATIONAL BANK, THE — 2006
What CITIZENS NATIONAL BANK, THE 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 | 1,355,136,000 | 1,379,849,000 | 1,403,901,000 | 1,452,723,000 |
| Total loans | 1,060,192,000 | 1,079,613,000 | 1,108,390,000 | 1,135,491,000 |
| Allowance for loan losses | 10,207,000 | 10,163,000 | 9,953,000 | 9,786,000 |
| Securities available for sale | 189,683,000 | 188,026,000 | 186,102,000 | 206,895,000 |
| Securities held to maturity | 600,000 | 600,000 | 400,000 | 400,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,077,204,000 | 1,075,801,000 | 1,105,410,000 | 1,160,179,000 |
| Interest-bearing deposits | 784,137,000 | 772,567,000 | 814,378,000 | 867,447,000 |
| Noninterest-bearing deposits | 293,067,000 | 303,234,000 | 291,032,000 | 292,732,000 |
| Equity capital | 152,973,000 | 154,377,000 | 157,282,000 | 159,241,000 |
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 | 17,838,000 | 36,840,000 | 56,431,000 | 76,942,000 |
| Interest expense | 5,156,000 | 11,114,000 | 17,864,000 | 25,547,000 |
| Net interest income | 12,682,000 | 25,726,000 | 38,567,000 | 51,395,000 |
| Noninterest income | 1,758,000 | 3,742,000 | 5,793,000 | 7,827,000 |
| Noninterest expense | 7,668,000 | 14,213,000 | 21,396,000 | 28,504,000 |
| Provision for loan losses | -1,011,000 | -1,011,000 | -1,156,000 | -1,156,000 |
| Pretax income | 7,783,000 | 16,266,000 | 24,120,000 | 31,874,000 |
| Income tax | 2,960,000 | 6,184,000 | 9,158,000 | 11,795,000 |
| Net income | 4,823,000 | 10,082,000 | 14,962,000 | 20,079,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 105,113,000 | 107,036,000 | 108,741,000 | 110,493,000 |
| Total capital | 153,331,000 | 154,814,000 | 156,454,000 | 158,219,000 |
| Risk-weighted assets | 1,147,768,000 | 1,176,819,000 | 1,213,369,000 | 1,236,047,000 |