Call reports 2007
CITIZENS NATIONAL BANK, THE — 2007
What CITIZENS NATIONAL BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 |
|---|---|---|
| Total assets | 1,467,071,000 | 1,481,316,000 |
| Total loans | 1,127,646,000 | 1,119,599,000 |
| Allowance for loan losses | 9,605,000 | 8,888,000 |
| Securities available for sale | 138,998,000 | 129,504,000 |
| Securities held to maturity | 400,000 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 1,157,360,000 | 1,166,799,000 |
| Interest-bearing deposits | 871,001,000 | 865,520,000 |
| Noninterest-bearing deposits | 286,359,000 | 301,279,000 |
| Equity capital | 163,550,000 | 168,140,000 |
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 |
|---|---|---|
| Interest income | 20,716,000 | 42,136,000 |
| Interest expense | 7,820,000 | 15,571,000 |
| Net interest income | 12,896,000 | 26,565,000 |
| Noninterest income | 2,062,000 | 4,245,000 |
| Noninterest expense | 7,379,000 | 14,206,000 |
| Provision for loan losses | -200,000 | -900,000 |
| Pretax income | 7,779,000 | 17,555,000 |
| Income tax | 2,545,000 | 6,381,000 |
| Net income | 5,234,000 | 11,174,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 |
|---|---|---|
| Tier 1 capital | 114,578,000 | 120,457,000 |
| Total capital | 162,123,000 | 167,579,000 |
| Risk-weighted assets | 1,232,609,000 | 1,225,845,000 |