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 | 45,309,000 | 45,276,000 | 44,977,000 | 42,943,000 |
| Total loans | 28,538,000 | 31,243,000 | 32,297,000 | 32,515,000 |
| Allowance for loan losses | 349,000 | 354,000 | 373,000 | 400,000 |
| Securities available for sale | 12,307,000 | 9,192,000 | 9,065,000 | 7,621,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,011,000 | 38,071,000 | 37,608,000 | 35,502,000 |
| Interest-bearing deposits | 34,155,000 | 34,623,000 | 34,180,000 | 32,474,000 |
| Noninterest-bearing deposits | 3,856,000 | 3,448,000 | 3,428,000 | 3,028,000 |
| Equity capital | 7,061,000 | 6,981,000 | 7,151,000 | 7,292,000 |
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 | 764,000 | 1,598,000 | 2,440,000 | 3,295,000 |
| Interest expense | 363,000 | 765,000 | 1,167,000 | 1,559,000 |
| Net interest income | 401,000 | 833,000 | 1,273,000 | 1,736,000 |
| Noninterest income | 52,000 | 97,000 | 156,000 | 214,000 |
| Noninterest expense | 409,000 | 832,000 | 1,265,000 | 1,669,000 |
| Provision for loan losses | 3,000 | 21,000 | 39,000 | 71,000 |
| Pretax income | 41,000 | 77,000 | 125,000 | 228,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 41,000 | 77,000 | 125,000 | 228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,088,000 | 7,124,000 | 7,172,000 | 7,274,000 |
| Total capital | 7,437,000 | 7,478,000 | 7,545,000 | 7,674,000 |
| Risk-weighted assets | 31,528,000 | 33,030,000 | 33,852,000 | 32,750,000 |