Call reports 2010
CITIZENS NATIONAL BANK — 2010
What CITIZENS NATIONAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 46,963,000 | 47,975,000 | 48,212,000 | 49,346,000 |
| Total loans | 36,081,000 | 35,893,000 | 35,097,000 | 35,822,000 |
| Allowance for loan losses | 680,000 | 616,000 | 592,000 | 620,000 |
| Securities available for sale | 8,135,000 | 8,014,000 | 8,120,000 | 7,754,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,419,000 | 41,152,000 | 41,204,000 | 42,723,000 |
| Interest-bearing deposits | 37,572,000 | 37,941,000 | 38,459,000 | 39,771,000 |
| Noninterest-bearing deposits | 2,847,000 | 3,211,000 | 2,745,000 | 2,952,000 |
| Equity capital | 6,318,000 | 6,652,000 | 6,826,000 | 6,475,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 713,000 | 1,442,000 | 2,133,000 | 2,818,000 |
| Interest expense | 243,000 | 472,000 | 693,000 | 912,000 |
| Net interest income | 470,000 | 970,000 | 1,440,000 | 1,906,000 |
| Noninterest income | 38,000 | 75,000 | 110,000 | 143,000 |
| Noninterest expense | 469,000 | 932,000 | 1,410,000 | 1,906,000 |
| Provision for loan losses | 0 | 10,000 | 40,000 | 91,000 |
| Pretax income | 46,000 | 123,000 | 176,000 | 151,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 46,000 | 123,000 | 176,000 | 151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,419,000 | 6,496,000 | 6,549,000 | 6,524,000 |
| Total capital | 6,874,000 | 6,945,000 | 6,986,000 | 6,978,000 |
| Risk-weighted assets | 36,164,000 | 35,721,000 | 34,820,000 | 36,112,000 |