Call reports 2008
CITIZENS NATIONAL BANK OF QUITMAN, THE — 2008
What CITIZENS NATIONAL BANK OF QUITMAN, THE 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 | 96,610,000 | 93,631,000 | 99,594,000 | 104,152,000 |
| Total loans | 70,272,000 | 73,461,000 | 79,617,000 | 78,427,000 |
| Allowance for loan losses | 634,000 | 614,000 | 456,000 | 556,000 |
| Securities available for sale | 10,941,000 | 10,217,000 | 9,374,000 | 9,522,000 |
| Securities held to maturity | 30,000 | 28,000 | 27,000 | 27,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,729,000 | 76,671,000 | 78,094,000 | 86,897,000 |
| Interest-bearing deposits | 66,885,000 | 68,912,000 | 70,326,000 | 77,394,000 |
| Noninterest-bearing deposits | 12,844,000 | 7,759,000 | 7,768,000 | 9,503,000 |
| Equity capital | 8,041,000 | 8,138,000 | 8,271,000 | 8,149,000 |
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 | 1,591,000 | 3,117,000 | 4,686,000 | 6,270,000 |
| Interest expense | 826,000 | 1,543,000 | 2,254,000 | 2,953,000 |
| Net interest income | 765,000 | 1,574,000 | 2,432,000 | 3,317,000 |
| Noninterest income | 106,000 | 213,000 | 321,000 | 432,000 |
| Noninterest expense | 570,000 | 1,156,000 | 1,746,000 | 2,302,000 |
| Provision for loan losses | 15,000 | 30,000 | 160,000 | 380,000 |
| Pretax income | 300,000 | 616,000 | 864,000 | 1,112,000 |
| Income tax | 87,000 | 180,000 | 248,000 | 333,000 |
| Net income | 213,000 | 436,000 | 616,000 | 779,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,924,000 | 8,147,000 | 8,244,000 | 8,050,000 |
| Total capital | 8,558,000 | 8,761,000 | 8,700,000 | 8,606,000 |
| Risk-weighted assets | 72,027,000 | 75,802,000 | 78,670,000 | 79,828,000 |