Call reports 2007
CITIZENS NATIONAL BANK — 2007
What CITIZENS NATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 80,597,000 | 79,241,000 | 77,831,000 | 82,007,000 |
| Total loans | 33,366,000 | 34,247,000 | 35,457,000 | 35,599,000 |
| Allowance for loan losses | 390,000 | 392,000 | 378,000 | 370,000 |
| Securities available for sale | 30,571,000 | 33,769,000 | 33,809,000 | 25,233,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,407,000 | 71,217,000 | 68,263,000 | 73,844,000 |
| Interest-bearing deposits | 54,426,000 | 51,508,000 | 49,663,000 | 54,605,000 |
| Noninterest-bearing deposits | 17,981,000 | 19,709,000 | 18,600,000 | 19,239,000 |
| Equity capital | 6,814,000 | 6,610,000 | 6,936,000 | 6,856,000 |
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 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,207,000 | 2,419,000 | 3,627,000 | 4,851,000 |
| Interest expense | 348,000 | 714,000 | 1,081,000 | 1,488,000 |
| Net interest income | 859,000 | 1,705,000 | 2,546,000 | 3,363,000 |
| Noninterest income | 195,000 | 384,000 | 577,000 | 782,000 |
| Noninterest expense | 729,000 | 1,507,000 | 2,264,000 | 2,882,000 |
| Provision for loan losses | 4,000 | 7,000 | 9,000 | 12,000 |
| Pretax income | 321,000 | 575,000 | 850,000 | 1,250,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 321,000 | 575,000 | 850,000 | 1,250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,059,000 | 7,045,000 | 7,095,000 | 6,867,000 |
| Total capital | 7,449,000 | 7,437,000 | 7,473,000 | 7,237,000 |
| Risk-weighted assets | 42,183,000 | 43,453,000 | 43,507,000 | 45,785,000 |