Call reports 2008
CITIZENS NATIONAL BANK — 2008
What CITIZENS NATIONAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 81,545,000 | 81,087,000 | 92,464,000 | 94,520,000 |
| Total loans | 35,723,000 | 34,772,000 | 36,358,000 | 36,533,000 |
| Allowance for loan losses | 377,000 | 382,000 | 375,000 | 459,000 |
| Securities available for sale | 21,412,000 | 21,553,000 | 25,128,000 | 25,229,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,109,000 | 72,891,000 | 83,916,000 | 86,311,000 |
| Interest-bearing deposits | 55,516,000 | 53,645,000 | 65,875,000 | 67,711,000 |
| Noninterest-bearing deposits | 17,593,000 | 19,246,000 | 18,041,000 | 18,600,000 |
| Equity capital | 6,992,000 | 6,727,000 | 6,887,000 | 6,879,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,121,000 | 2,130,000 | 3,194,000 | 4,308,000 |
| Interest expense | 319,000 | 634,000 | 956,000 | 1,301,000 |
| Net interest income | 802,000 | 1,496,000 | 2,238,000 | 3,007,000 |
| Noninterest income | 214,000 | 397,000 | 593,000 | 776,000 |
| Noninterest expense | 806,000 | 1,591,000 | 2,350,000 | 3,062,000 |
| Provision for loan losses | 3,000 | 7,000 | 13,000 | 98,000 |
| Pretax income | 222,000 | 314,000 | 488,000 | 663,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 222,000 | 314,000 | 488,000 | 663,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,085,000 | 7,036,000 | 7,125,000 | 7,000,000 |
| Total capital | 7,462,000 | 7,418,000 | 7,500,000 | 7,459,000 |
| Risk-weighted assets | 45,104,000 | 44,945,000 | 48,175,000 | 48,147,000 |