Call reports 2007
CITIZENS NATIONAL BANK OF QUITMAN, THE — 2007
What CITIZENS NATIONAL BANK OF QUITMAN, THE 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 | 91,788,000 | 93,992,000 | 93,213,000 | 98,936,000 |
| Total loans | 66,111,000 | 69,891,000 | 70,012,000 | 69,894,000 |
| Allowance for loan losses | 623,000 | 631,000 | 623,000 | 629,000 |
| Securities available for sale | 15,794,000 | 14,283,000 | 14,090,000 | 14,201,000 |
| Securities held to maturity | 140,000 | 135,000 | 32,000 | 31,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,196,000 | 76,325,000 | 76,542,000 | 82,028,000 |
| Interest-bearing deposits | 71,513,000 | 68,302,000 | 69,110,000 | 73,978,000 |
| Noninterest-bearing deposits | 8,683,000 | 8,023,000 | 7,432,000 | 8,050,000 |
| Equity capital | 7,609,000 | 7,682,000 | 7,955,000 | 7,952,000 |
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 | 1,573,000 | 3,169,000 | 4,788,000 | 6,451,000 |
| Interest expense | 802,000 | 1,643,000 | 2,513,000 | 3,399,000 |
| Net interest income | 771,000 | 1,526,000 | 2,275,000 | 3,052,000 |
| Noninterest income | 93,000 | 190,000 | 286,000 | 406,000 |
| Noninterest expense | 567,000 | 1,138,000 | 1,693,000 | 2,258,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 282,000 | 548,000 | 823,000 | 1,141,000 |
| Income tax | 80,000 | 157,000 | 236,000 | 327,000 |
| Net income | 202,000 | 391,000 | 587,000 | 814,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,743,000 | 7,933,000 | 8,046,000 | 7,915,000 |
| Total capital | 8,366,000 | 8,564,000 | 8,669,000 | 8,544,000 |
| Risk-weighted assets | 68,442,000 | 71,180,000 | 69,919,000 | 72,735,000 |