Call reports 2006
CITIZENS NATIONAL BANK — 2006
What CITIZENS NATIONAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 40,718,000 | 39,781,000 | 40,278,000 | 42,341,000 |
| Total loans | 31,446,000 | 30,223,000 | 31,164,000 | 32,923,000 |
| Allowance for loan losses | 223,000 | 229,000 | 249,000 | 250,000 |
| Securities available for sale | 5,851,000 | 5,804,000 | 4,948,000 | 4,975,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,833,000 | 35,770,000 | 36,372,000 | 37,679,000 |
| Interest-bearing deposits | 30,358,000 | 30,183,000 | 30,839,000 | 31,769,000 |
| Noninterest-bearing deposits | 5,475,000 | 5,587,000 | 5,533,000 | 5,910,000 |
| Equity capital | 3,932,000 | 3,878,000 | 3,738,000 | 4,213,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 626,000 | 1,254,000 | 1,911,000 | 2,647,000 |
| Interest expense | 221,000 | 476,000 | 765,000 | 1,071,000 |
| Net interest income | 405,000 | 778,000 | 1,146,000 | 1,576,000 |
| Noninterest income | 66,000 | 128,000 | 188,000 | 249,000 |
| Noninterest expense | 299,000 | 564,000 | 846,000 | 1,161,000 |
| Provision for loan losses | 15,000 | 35,000 | 55,000 | 75,000 |
| Pretax income | 157,000 | 307,000 | 433,000 | 589,000 |
| Income tax | -10,000 | -4,000 | 2,000 | 8,000 |
| Net income | 167,000 | 311,000 | 431,000 | 581,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,680,000 | 3,674,000 | 3,743,000 | 3,894,000 |
| Total capital | 3,903,000 | 3,903,000 | 3,992,000 | 4,144,000 |
| Risk-weighted assets | 32,856,000 | 32,147,000 | 32,544,000 | 34,004,000 |