Call reports 2005
CITIZENS NATIONAL BANK — 2005
What CITIZENS NATIONAL BANK 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 | 71,242,000 | 69,687,000 | 69,986,000 | 75,218,000 |
| Total loans | 33,949,000 | 34,994,000 | 35,437,000 | 35,627,000 |
| Allowance for loan losses | 413,000 | 401,000 | 399,000 | 408,000 |
| Securities available for sale | 24,541,000 | 26,794,000 | 24,335,000 | 25,931,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,994,000 | 62,193,000 | 62,263,000 | 68,128,000 |
| Interest-bearing deposits | 49,820,000 | 47,858,000 | 47,286,000 | 49,960,000 |
| Noninterest-bearing deposits | 14,174,000 | 14,335,000 | 14,977,000 | 18,168,000 |
| Equity capital | 6,075,000 | 6,297,000 | 6,354,000 | 5,992,000 |
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 | 861,000 | 1,756,000 | 2,712,000 | 3,705,000 |
| Interest expense | 176,000 | 367,000 | 574,000 | 805,000 |
| Net interest income | 685,000 | 1,389,000 | 2,138,000 | 2,900,000 |
| Noninterest income | 208,000 | 393,000 | 592,000 | 772,000 |
| Noninterest expense | 676,000 | 1,380,000 | 2,060,000 | 2,619,000 |
| Provision for loan losses | 0 | 2,000 | 29,000 | 44,000 |
| Pretax income | 215,000 | 398,000 | 639,000 | 1,007,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 215,000 | 398,000 | 639,000 | 1,007,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,414,000 | 6,450,000 | 6,577,000 | 6,445,000 |
| Total capital | 6,827,000 | 6,851,000 | 6,976,000 | 6,853,000 |
| Risk-weighted assets | 40,247,000 | 40,912,000 | 41,828,000 | 43,039,000 |