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 | 42,168,000 | 44,313,000 | 44,027,000 | 45,235,000 |
| Total loans | 33,162,000 | 34,886,000 | 35,790,000 | 36,413,000 |
| Allowance for loan losses | 393,000 | 357,000 | 340,000 | 493,000 |
| Securities available for sale | 5,752,000 | 6,941,000 | 5,322,000 | 5,048,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,672,000 | 36,270,000 | 36,561,000 | 37,594,000 |
| Interest-bearing deposits | 31,869,000 | 32,823,000 | 33,822,000 | 34,302,000 |
| Noninterest-bearing deposits | 2,803,000 | 3,447,000 | 2,739,000 | 3,292,000 |
| Equity capital | 7,296,000 | 7,315,000 | 7,270,000 | 7,509,000 |
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 | 770,000 | 1,557,000 | 2,339,000 | 3,126,000 |
| Interest expense | 354,000 | 682,000 | 997,000 | 1,319,000 |
| Net interest income | 416,000 | 875,000 | 1,342,000 | 1,807,000 |
| Noninterest income | 50,000 | 103,000 | 155,000 | 203,000 |
| Noninterest expense | 432,000 | 867,000 | 1,293,000 | 1,721,000 |
| Provision for loan losses | 10,000 | 25,000 | 55,000 | 128,000 |
| Pretax income | 24,000 | 103,000 | 175,000 | 187,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 24,000 | 103,000 | 175,000 | 187,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,298,000 | 7,377,000 | 7,450,000 | 7,462,000 |
| Total capital | 7,691,000 | 7,734,000 | 7,790,000 | 7,919,000 |
| Risk-weighted assets | 33,320,000 | 35,690,000 | 36,196,000 | 36,514,000 |