Call reports 2006
CITIZENS NATIONAL BANK — 2006
What CITIZENS NATIONAL BANK 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 | 549,453,000 | 580,203,000 | 609,213,000 | 621,033,000 |
| Total loans | 420,288,000 | 450,939,000 | 463,103,000 | 472,621,000 |
| Allowance for loan losses | 4,067,000 | 4,371,000 | 4,553,000 | 4,630,000 |
| Securities available for sale | 89,094,000 | 88,084,000 | 89,836,000 | 92,352,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 472,509,000 | 480,464,000 | 509,689,000 | 518,858,000 |
| Interest-bearing deposits | 401,909,000 | 405,989,000 | 442,356,000 | 444,787,000 |
| Noninterest-bearing deposits | 70,600,000 | 74,475,000 | 67,333,000 | 74,071,000 |
| Equity capital | 43,986,000 | 43,375,000 | 53,997,000 | 55,498,000 |
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 | 8,377,000 | 17,686,000 | 27,932,000 | 37,995,000 |
| Interest expense | 3,114,000 | 6,901,000 | 11,348,000 | 15,802,000 |
| Net interest income | 5,263,000 | 10,785,000 | 16,584,000 | 22,193,000 |
| Noninterest income | 1,098,000 | 2,328,000 | 3,849,000 | 5,541,000 |
| Noninterest expense | 3,672,000 | 7,371,000 | 10,567,000 | 15,198,000 |
| Provision for loan losses | 142,000 | 471,000 | 649,000 | 703,000 |
| Pretax income | 2,487,000 | 4,943,000 | 8,295,000 | 11,280,000 |
| Income tax | 173,000 | 343,000 | 572,000 | 775,000 |
| Net income | 2,314,000 | 4,600,000 | 7,723,000 | 10,505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,606,000 | 46,156,000 | 54,732,000 | 55,986,000 |
| Total capital | 49,816,000 | 50,691,000 | 59,414,000 | 60,732,000 |
| Risk-weighted assets | 460,521,000 | 489,656,000 | 502,640,000 | 511,404,000 |