Call reports 2005
CITIZENS NATIONAL BANK — 2005
What CITIZENS NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 38,184,000 | 38,225,000 | 39,823,000 | 40,413,000 |
| Total loans | 28,740,000 | 28,907,000 | 31,396,000 | 30,878,000 |
| Allowance for loan losses | 207,000 | 205,000 | 219,000 | 213,000 |
| Securities available for sale | 5,149,000 | 5,017,000 | 5,909,000 | 5,879,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,274,000 | 34,255,000 | 34,725,000 | 36,393,000 |
| Interest-bearing deposits | 29,735,000 | 29,597,000 | 29,811,000 | 30,161,000 |
| Noninterest-bearing deposits | 4,539,000 | 4,658,000 | 4,914,000 | 6,232,000 |
| Equity capital | 3,782,000 | 3,849,000 | 3,860,000 | 3,891,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 509,000 | 1,068,000 | 1,639,000 | 2,240,000 |
| Interest expense | 143,000 | 303,000 | 483,000 | 684,000 |
| Net interest income | 366,000 | 765,000 | 1,156,000 | 1,556,000 |
| Noninterest income | 53,000 | 106,000 | 177,000 | 249,000 |
| Noninterest expense | 267,000 | 551,000 | 844,000 | 1,237,000 |
| Provision for loan losses | 0 | 65,000 | 80,000 | 98,000 |
| Pretax income | 152,000 | 255,000 | 409,000 | 470,000 |
| Income tax | 11,000 | 17,000 | 28,000 | 30,000 |
| Net income | 141,000 | 238,000 | 381,000 | 440,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,329,000 | 3,441,000 | 3,525,000 | 3,599,000 |
| Total capital | 3,536,000 | 3,646,000 | 3,744,000 | 3,812,000 |
| Risk-weighted assets | 29,468,000 | 29,668,000 | 32,029,000 | 31,628,000 |