Call reports 2009
CITIZENS NATIONAL BANK — 2009
What CITIZENS NATIONAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 769,502,000 | 786,210,000 | 832,671,000 | 828,423,000 |
| Total loans | 567,152,000 | 586,599,000 | 588,006,000 | 589,811,000 |
| Allowance for loan losses | 6,407,000 | 6,289,000 | 6,687,000 | 8,686,000 |
| Securities available for sale | 81,036,000 | 74,153,000 | 79,832,000 | 149,636,000 |
| Securities held to maturity | 65,520,000 | 60,942,000 | 57,649,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 558,934,000 | 624,018,000 | 669,958,000 | 669,544,000 |
| Interest-bearing deposits | 495,995,000 | 569,777,000 | 620,513,000 | 620,447,000 |
| Noninterest-bearing deposits | 62,940,000 | 54,242,000 | 49,445,000 | 49,097,000 |
| Equity capital | 67,228,000 | 67,091,000 | 71,224,000 | 70,179,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 11,529,000 | 22,362,000 | 32,938,000 | 43,491,000 |
| Interest expense | 4,384,000 | 8,573,000 | 13,271,000 | 17,454,000 |
| Net interest income | 7,145,000 | 13,789,000 | 19,667,000 | 26,037,000 |
| Noninterest income | 1,164,000 | 2,396,000 | 3,829,000 | 7,453,000 |
| Noninterest expense | 4,712,000 | 9,715,000 | 14,521,000 | 19,997,000 |
| Provision for loan losses | 1,106,000 | 1,430,000 | 2,254,000 | 5,579,000 |
| Pretax income | 2,491,000 | 4,073,000 | 5,724,000 | 7,833,000 |
| Income tax | 141,000 | 277,000 | 388,000 | 348,000 |
| Net income | 2,350,000 | 3,796,000 | 5,336,000 | 7,485,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,555,000 | 70,440,000 | 73,161,000 | 73,981,000 |
| Total capital | 75,023,000 | 76,762,000 | 79,879,000 | 82,148,000 |
| Risk-weighted assets | 631,563,000 | 653,661,000 | 654,777,000 | 652,809,000 |