Call reports 2007
CITIZENS NATIONAL BANK — 2007
What CITIZENS NATIONAL BANK 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 | 628,327,000 | 660,471,000 | 688,666,000 | 710,318,000 |
| Total loans | 488,135,000 | 514,656,000 | 529,877,000 | 545,994,000 |
| Allowance for loan losses | 4,786,000 | 5,165,000 | 5,300,000 | 5,457,000 |
| Securities available for sale | 93,552,000 | 91,553,000 | 108,337,000 | 102,341,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 518,396,000 | 528,477,000 | 571,552,000 | 554,034,000 |
| Interest-bearing deposits | 456,762,000 | 466,724,000 | 509,586,000 | 481,601,000 |
| Noninterest-bearing deposits | 61,634,000 | 61,753,000 | 61,966,000 | 72,433,000 |
| Equity capital | 56,077,000 | 54,905,000 | 58,866,000 | 62,691,000 |
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 | 10,399,000 | 21,611,000 | 33,121,000 | 44,676,000 |
| Interest expense | 4,953,000 | 10,366,000 | 16,313,000 | 22,312,000 |
| Net interest income | 5,446,000 | 11,245,000 | 16,808,000 | 22,364,000 |
| Noninterest income | 1,148,000 | 2,103,000 | 4,656,000 | 6,136,000 |
| Noninterest expense | 3,941,000 | 7,978,000 | 12,125,000 | 16,077,000 |
| Provision for loan losses | 166,000 | 463,000 | 637,000 | 818,000 |
| Pretax income | 2,487,000 | 4,907,000 | 8,702,000 | 11,606,000 |
| Income tax | 157,000 | 319,000 | 453,000 | 465,000 |
| Net income | 2,330,000 | 4,588,000 | 8,249,000 | 11,141,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,347,000 | 56,898,000 | 58,954,000 | 61,524,000 |
| Total capital | 61,233,000 | 62,221,000 | 64,254,000 | 66,981,000 |
| Risk-weighted assets | 513,979,000 | 558,662,000 | 568,098,000 | 579,792,000 |