Call reports 2006
CITIZENS NATIONAL BANK — 2006
What CITIZENS NATIONAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 32,570,000 | 33,403,000 | 35,574,000 | 41,432,000 |
| Total loans | 22,417,000 | 23,740,000 | 26,018,000 | 27,991,000 |
| Allowance for loan losses | 280,000 | 297,000 | 317,000 | 347,000 |
| Securities available for sale | 7,151,000 | 7,298,000 | 7,291,000 | 6,298,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,886,000 | 30,011,000 | 31,394,000 | 34,234,000 |
| Interest-bearing deposits | 25,574,000 | 26,735,000 | 28,595,000 | 30,753,000 |
| Noninterest-bearing deposits | 3,312,000 | 3,276,000 | 2,799,000 | 3,481,000 |
| Equity capital | 3,249,000 | 3,228,000 | 3,366,000 | 7,020,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 523,000 | 1,099,000 | 1,741,000 | 2,464,000 |
| Interest expense | 227,000 | 477,000 | 773,000 | 1,115,000 |
| Net interest income | 296,000 | 622,000 | 968,000 | 1,349,000 |
| Noninterest income | 66,000 | 126,000 | 185,000 | 260,000 |
| Noninterest expense | 337,000 | 672,000 | 1,009,000 | 1,385,000 |
| Provision for loan losses | 5,000 | 22,000 | 42,000 | 72,000 |
| Pretax income | 20,000 | 54,000 | 102,000 | 152,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 20,000 | 54,000 | 102,000 | 152,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,315,000 | 3,349,000 | 3,397,000 | 7,047,000 |
| Total capital | 3,595,000 | 3,646,000 | 3,714,000 | 7,394,000 |
| Risk-weighted assets | 24,483,000 | 25,452,000 | 27,293,000 | 30,051,000 |