Call reports 2008
CITIZENS NATIONAL BANK — 2008
What CITIZENS NATIONAL BANK 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 | 707,233,000 | 724,953,000 | 757,284,000 | 769,930,000 |
| Total loans | 548,771,000 | 567,575,000 | 568,699,000 | 557,868,000 |
| Allowance for loan losses | 5,527,000 | 5,611,000 | 5,649,000 | 5,692,000 |
| Securities available for sale | 101,810,000 | 101,646,000 | 134,626,000 | 147,092,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 533,228,000 | 539,705,000 | 553,833,000 | 549,149,000 |
| Interest-bearing deposits | 472,073,000 | 475,852,000 | 494,975,000 | 492,338,000 |
| Noninterest-bearing deposits | 61,155,000 | 63,853,000 | 58,858,000 | 56,810,000 |
| Equity capital | 64,996,000 | 67,194,000 | 69,340,000 | 66,322,000 |
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 | 11,008,000 | 22,020,000 | 33,396,000 | 45,240,000 |
| Interest expense | 5,653,000 | 10,755,000 | 15,903,000 | 20,714,000 |
| Net interest income | 5,355,000 | 11,265,000 | 17,493,000 | 24,526,000 |
| Noninterest income | 1,673,000 | 3,758,000 | 5,016,000 | 6,247,000 |
| Noninterest expense | 4,151,000 | 8,486,000 | 12,996,000 | 17,979,000 |
| Provision for loan losses | 88,000 | 320,000 | 483,000 | 591,000 |
| Pretax income | 2,789,000 | 6,217,000 | 9,030,000 | 12,203,000 |
| Income tax | 160,000 | 360,000 | 524,000 | 702,000 |
| Net income | 2,629,000 | 5,857,000 | 8,506,000 | 11,501,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,804,000 | 66,355,000 | 67,324,000 | 68,094,000 |
| Total capital | 67,331,000 | 72,028,000 | 73,014,000 | 73,819,000 |
| Risk-weighted assets | 582,402,000 | 588,845,000 | 595,504,000 | 614,001,000 |