Call reports 2006
CITIZENS NATIONAL BANK OF QUITMAN, THE — 2006
What CITIZENS NATIONAL BANK OF QUITMAN, THE 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 | 90,530,000 | 94,455,000 | 95,686,000 | 94,577,000 |
| Total loans | 63,532,000 | 66,601,000 | 68,155,000 | 63,746,000 |
| Allowance for loan losses | 707,000 | 670,000 | 668,000 | 643,000 |
| Securities available for sale | 18,754,000 | 18,052,000 | 17,781,000 | 17,227,000 |
| Securities held to maturity | 379,000 | 376,000 | 144,000 | 141,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,135,000 | 78,197,000 | 76,850,000 | 83,382,000 |
| Interest-bearing deposits | 69,647,000 | 69,530,000 | 68,844,000 | 75,247,000 |
| Noninterest-bearing deposits | 9,488,000 | 8,667,000 | 8,006,000 | 8,135,000 |
| Equity capital | 7,012,000 | 7,087,000 | 7,458,000 | 7,380,000 |
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 | 1,432,000 | 2,940,000 | 4,500,000 | 6,071,000 |
| Interest expense | 620,000 | 1,343,000 | 2,183,000 | 3,032,000 |
| Net interest income | 812,000 | 1,597,000 | 2,317,000 | 3,039,000 |
| Noninterest income | 100,000 | 206,000 | 306,000 | 422,000 |
| Noninterest expense | 548,000 | 1,091,000 | 1,631,000 | 2,119,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 349,000 | 682,000 | 947,000 | 1,282,000 |
| Income tax | 101,000 | 196,000 | 270,000 | 361,000 |
| Net income | 248,000 | 486,000 | 677,000 | 921,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,308,000 | 7,547,000 | 7,655,000 | 7,541,000 |
| Total capital | 8,015,000 | 8,217,000 | 8,323,000 | 8,184,000 |
| Risk-weighted assets | 68,772,000 | 68,503,000 | 70,844,000 | 67,407,000 |