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 | 26,464,000 | 27,226,000 | 32,329,000 | 32,820,000 |
| Total loans | 17,004,000 | 18,377,000 | 21,631,000 | 21,656,000 |
| Allowance for loan losses | 164,000 | 213,000 | 252,000 | 275,000 |
| Securities available for sale | 6,717,000 | 5,756,000 | 5,742,000 | 6,178,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,924,000 | 23,761,000 | 28,916,000 | 29,477,000 |
| Interest-bearing deposits | 19,922,000 | 21,276,000 | 25,760,000 | 26,399,000 |
| Noninterest-bearing deposits | 3,002,000 | 2,485,000 | 3,156,000 | 3,078,000 |
| Equity capital | 3,382,000 | 3,368,000 | 3,284,000 | 3,249,000 |
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 | 296,000 | 677,000 | 1,112,000 | 1,611,000 |
| Interest expense | 118,000 | 272,000 | 463,000 | 690,000 |
| Net interest income | 178,000 | 405,000 | 649,000 | 921,000 |
| Noninterest income | 48,000 | 118,000 | 169,000 | 223,000 |
| Noninterest expense | 312,000 | 613,000 | 939,000 | 1,259,000 |
| Provision for loan losses | 33,000 | 82,000 | 121,000 | 144,000 |
| Pretax income | -119,000 | -172,000 | -242,000 | -339,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -119,000 | -172,000 | -242,000 | -339,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,515,000 | 3,462,000 | 3,392,000 | 3,295,000 |
| Total capital | 3,679,000 | 3,675,000 | 3,644,000 | 3,570,000 |
| Risk-weighted assets | 20,467,000 | 20,882,000 | 23,880,000 | 24,267,000 |