Call reports 2010
CITIZENS NATIONAL BANK — 2010
What CITIZENS NATIONAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 847,277,000 | 878,171,000 | 881,779,000 | 851,443,000 |
| Total loans | 590,288,000 | 593,898,000 | 585,251,000 | 580,642,000 |
| Allowance for loan losses | 8,671,000 | 8,859,000 | 8,747,000 | 9,013,000 |
| Securities available for sale | 171,479,000 | 166,714,000 | 160,107,000 | 141,805,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 688,389,000 | 716,631,000 | 717,643,000 | 684,898,000 |
| Interest-bearing deposits | 642,755,000 | 665,428,000 | 665,139,000 | 634,106,000 |
| Noninterest-bearing deposits | 45,633,000 | 51,203,000 | 52,504,000 | 50,792,000 |
| Equity capital | 70,412,000 | 71,551,000 | 73,186,000 | 74,376,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 10,285,000 | 20,791,000 | 31,308,000 | 41,231,000 |
| Interest expense | 4,063,000 | 8,310,000 | 12,599,000 | 16,614,000 |
| Net interest income | 6,222,000 | 12,481,000 | 18,709,000 | 24,617,000 |
| Noninterest income | 1,098,000 | 2,276,000 | 3,845,000 | 5,503,000 |
| Noninterest expense | 5,459,000 | 10,939,000 | 16,349,000 | 21,598,000 |
| Provision for loan losses | 604,000 | 920,000 | 1,400,000 | 1,671,000 |
| Pretax income | 1,863,000 | 3,468,000 | 5,332,000 | 7,736,000 |
| Income tax | 91,000 | 166,000 | 257,000 | 235,000 |
| Net income | 1,772,000 | 3,302,000 | 5,075,000 | 7,501,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,445,000 | 73,609,000 | 74,020,000 | 75,079,000 |
| Total capital | 81,509,000 | 81,670,000 | 81,888,000 | 82,705,000 |
| Risk-weighted assets | 643,874,000 | 643,328,000 | 628,539,000 | 608,696,000 |