Call reports 2009
CITIZENS NATIONAL BANK — 2009
What CITIZENS NATIONAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 48,427,000 | 47,402,000 | 45,915,000 | 47,887,000 |
| Total loans | 26,951,000 | 29,794,000 | 31,199,000 | 30,718,000 |
| Allowance for loan losses | 410,000 | 434,000 | 420,000 | 417,000 |
| Securities available for sale | 10,440,000 | 9,783,000 | 8,751,000 | 8,584,000 |
| Securities held to maturity | 400,000 | 400,000 | 400,000 | 400,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,874,000 | 42,792,000 | 41,208,000 | 43,185,000 |
| Interest-bearing deposits | 37,678,000 | 36,681,000 | 34,939,000 | 36,117,000 |
| Noninterest-bearing deposits | 6,196,000 | 6,111,000 | 6,269,000 | 7,068,000 |
| Equity capital | 4,440,000 | 4,468,000 | 4,575,000 | 4,623,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 535,000 | 1,096,000 | 1,641,000 | 2,192,000 |
| Interest expense | 212,000 | 411,000 | 590,000 | 755,000 |
| Net interest income | 323,000 | 685,000 | 1,051,000 | 1,437,000 |
| Noninterest income | 63,000 | 127,000 | 205,000 | 276,000 |
| Noninterest expense | 315,000 | 668,000 | 1,028,000 | 1,394,000 |
| Provision for loan losses | 30,000 | 50,000 | 50,000 | 50,000 |
| Pretax income | 41,000 | 94,000 | 178,000 | 269,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 41,000 | 94,000 | 178,000 | 269,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,931,000 | 3,983,000 | 4,067,000 | 4,159,000 |
| Total capital | 4,333,000 | 4,404,000 | 4,487,000 | 4,576,000 |
| Risk-weighted assets | 32,162,000 | 33,641,000 | 33,808,000 | 36,270,000 |