Call reports 2007
CITIZENS NATIONAL BANK — 2007
What CITIZENS NATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 43,023,000 | 43,069,000 | 44,903,000 | 46,131,000 |
| Total loans | 33,314,000 | 33,711,000 | 36,832,000 | 35,231,000 |
| Allowance for loan losses | 249,000 | 248,000 | 257,000 | 325,000 |
| Securities available for sale | 5,221,000 | 4,906,000 | 4,457,000 | 4,490,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,809,000 | 38,731,000 | 39,580,000 | 41,546,000 |
| Interest-bearing deposits | 33,045,000 | 32,679,000 | 33,673,000 | 34,937,000 |
| Noninterest-bearing deposits | 5,764,000 | 6,052,000 | 5,907,000 | 6,609,000 |
| Equity capital | 4,041,000 | 4,166,000 | 4,373,000 | 4,421,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 683,000 | 1,407,000 | 2,152,000 | 2,890,000 |
| Interest expense | 325,000 | 660,000 | 1,007,000 | 1,365,000 |
| Net interest income | 358,000 | 747,000 | 1,145,000 | 1,525,000 |
| Noninterest income | 72,000 | 146,000 | 228,000 | 317,000 |
| Noninterest expense | 323,000 | 636,000 | 927,000 | 1,241,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 103,000 |
| Pretax income | 107,000 | 257,000 | 421,000 | 498,000 |
| Income tax | 6,000 | 11,000 | 17,000 | 23,000 |
| Net income | 101,000 | 246,000 | 404,000 | 475,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,693,000 | 3,837,000 | 3,996,000 | 4,016,000 |
| Total capital | 3,942,000 | 4,085,000 | 4,253,000 | 4,341,000 |
| Risk-weighted assets | 34,775,000 | 33,763,000 | 38,099,000 | 37,581,000 |