Call reports 2010
CITIZENS NATIONAL BANK — 2010
What CITIZENS NATIONAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 |
|---|---|---|---|
| Total assets | 53,104,000 | 55,970,000 | 59,007,000 |
| Total loans | 28,223,000 | 35,635,000 | 40,042,000 |
| Allowance for loan losses | 472,000 | 544,000 | 550,000 |
| Securities available for sale | 11,917,000 | 11,136,000 | 9,012,000 |
| Securities held to maturity | 400,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 48,415,000 | 51,183,000 | 54,066,000 |
| Interest-bearing deposits | 40,803,000 | 43,711,000 | 46,193,000 |
| Noninterest-bearing deposits | 7,612,000 | 7,472,000 | 7,873,000 |
| Equity capital | 4,601,000 | 4,681,000 | 4,830,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 |
|---|---|---|---|
| Interest income | 516,000 | 1,089,000 | 1,702,000 |
| Interest expense | 163,000 | 327,000 | 508,000 |
| Net interest income | 353,000 | 762,000 | 1,194,000 |
| Noninterest income | 67,000 | 139,000 | 203,000 |
| Noninterest expense | 360,000 | 718,000 | 1,074,000 |
| Provision for loan losses | 80,000 | 155,000 | 155,000 |
| Pretax income | -20,000 | 28,000 | 168,000 |
| Income tax | 0 | 2,000 | 4,000 |
| Net income | -20,000 | 26,000 | 164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 |
|---|---|---|---|
| Tier 1 capital | 4,138,000 | 4,207,000 | 4,352,000 |
| Total capital | 4,610,000 | 4,714,000 | 4,902,000 |
| Risk-weighted assets | 34,392,000 | 40,525,000 | 45,309,000 |