Call reports 2008
CITIZENS NATIONAL BANK — 2008
What CITIZENS NATIONAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 46,135,000 | 45,369,000 | 45,386,000 | 45,893,000 |
| Total loans | 31,602,000 | 33,519,000 | 33,334,000 | 31,204,000 |
| Allowance for loan losses | 363,000 | 319,000 | 374,000 | 506,000 |
| Securities available for sale | 5,717,000 | 3,811,000 | 4,619,000 | 6,661,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,648,000 | 40,945,000 | 40,890,000 | 41,402,000 |
| Interest-bearing deposits | 34,566,000 | 33,621,000 | 34,081,000 | 34,938,000 |
| Noninterest-bearing deposits | 7,082,000 | 7,324,000 | 6,809,000 | 6,464,000 |
| Equity capital | 4,341,000 | 4,292,000 | 4,362,000 | 4,369,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 697,000 | 1,326,000 | 1,911,000 | 2,471,000 |
| Interest expense | 326,000 | 593,000 | 832,000 | 1,060,000 |
| Net interest income | 371,000 | 733,000 | 1,079,000 | 1,411,000 |
| Noninterest income | 76,000 | 148,000 | 212,000 | 295,000 |
| Noninterest expense | 307,000 | 622,000 | 940,000 | 1,256,000 |
| Provision for loan losses | 36,000 | 101,000 | 171,000 | 331,000 |
| Pretax income | 104,000 | 158,000 | 180,000 | 119,000 |
| Income tax | 2,000 | 7,000 | 14,000 | 21,000 |
| Net income | 102,000 | 151,000 | 166,000 | 98,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,893,000 | 3,942,000 | 3,957,000 | 3,889,000 |
| Total capital | 4,256,000 | 4,261,000 | 4,331,000 | 4,333,000 |
| Risk-weighted assets | 35,757,000 | 38,153,000 | 38,139,000 | 35,487,000 |