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 | 46,443,000 | 45,892,000 | 46,404,000 | 47,517,000 |
| Total loans | 36,250,000 | 36,453,000 | 37,891,000 | 36,743,000 |
| Allowance for loan losses | 524,000 | 609,000 | 1,235,000 | 686,000 |
| Securities available for sale | 6,602,000 | 7,221,000 | 6,170,000 | 7,414,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,847,000 | 38,278,000 | 39,318,000 | 41,061,000 |
| Interest-bearing deposits | 35,704,000 | 34,950,000 | 36,509,000 | 38,358,000 |
| Noninterest-bearing deposits | 3,142,000 | 3,328,000 | 2,809,000 | 2,703,000 |
| Equity capital | 7,430,000 | 7,270,000 | 6,942,000 | 6,268,000 |
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 | 754,000 | 1,500,000 | 2,268,000 | 2,981,000 |
| Interest expense | 302,000 | 601,000 | 866,000 | 1,134,000 |
| Net interest income | 452,000 | 899,000 | 1,402,000 | 1,847,000 |
| Noninterest income | 38,000 | 77,000 | 118,000 | 157,000 |
| Noninterest expense | 440,000 | 909,000 | 1,362,000 | 1,966,000 |
| Provision for loan losses | 37,000 | 125,000 | 763,000 | 1,194,000 |
| Pretax income | 48,000 | -8,000 | -538,000 | -1,089,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 48,000 | -8,000 | -538,000 | -1,089,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,510,000 | 7,454,000 | 6,924,000 | 6,373,000 |
| Total capital | 7,971,000 | 7,910,000 | 7,393,000 | 6,835,000 |
| Risk-weighted assets | 36,852,000 | 36,353,000 | 36,787,000 | 36,744,000 |