Call reports 2009
CITIZENS NATIONAL BANK — 2009
What CITIZENS NATIONAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 94,142,000 | 92,600,000 | 90,120,000 | 89,999,000 |
| Total loans | 36,577,000 | 36,505,000 | 35,397,000 | 35,643,000 |
| Allowance for loan losses | 481,000 | 429,000 | 428,000 | 734,000 |
| Securities available for sale | 28,165,000 | 21,166,000 | 23,940,000 | 29,483,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,868,000 | 84,176,000 | 80,917,000 | 81,659,000 |
| Interest-bearing deposits | 67,253,000 | 64,236,000 | 59,935,000 | 59,099,000 |
| Noninterest-bearing deposits | 18,615,000 | 19,940,000 | 20,982,000 | 22,560,000 |
| Equity capital | 6,771,000 | 6,910,000 | 7,600,000 | 6,977,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,078,000 | 2,110,000 | 3,059,000 | 3,977,000 |
| Interest expense | 293,000 | 547,000 | 776,000 | 972,000 |
| Net interest income | 785,000 | 1,563,000 | 2,283,000 | 3,005,000 |
| Noninterest income | 217,000 | 422,000 | 643,000 | 873,000 |
| Noninterest expense | 822,000 | 1,612,000 | 2,386,000 | 2,976,000 |
| Provision for loan losses | 157,000 | 161,000 | 167,000 | 477,000 |
| Pretax income | 47,000 | 261,000 | 454,000 | 506,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 47,000 | 261,000 | 454,000 | 506,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,043,000 | 7,255,000 | 7,447,000 | 7,199,000 |
| Total capital | 7,524,000 | 7,684,000 | 7,875,000 | 7,806,000 |
| Risk-weighted assets | 48,601,000 | 48,716,000 | 47,126,000 | 48,429,000 |