Call reports 2012
CITIZENS NATIONAL BANK OF ALBION — 2012
What CITIZENS NATIONAL BANK OF ALBION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 273,654,000 | 265,698,000 | 270,120,000 | 282,598,000 |
| Total loans | 154,676,000 | 160,443,000 | 165,693,000 | 163,899,000 |
| Allowance for loan losses | 1,781,000 | 1,755,000 | 1,793,000 | 1,838,000 |
| Securities available for sale | 86,108,000 | 88,924,000 | 90,130,000 | 92,871,000 |
| Securities held to maturity | 0 | 709,000 | 709,000 | 709,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 229,803,000 | 221,339,000 | 224,608,000 | 237,976,000 |
| Interest-bearing deposits | 203,336,000 | 198,431,000 | 200,418,000 | 206,286,000 |
| Noninterest-bearing deposits | 26,467,000 | 22,908,000 | 24,190,000 | 31,690,000 |
| Equity capital | 42,257,000 | 42,878,000 | 43,856,000 | 43,323,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,703,000 | 5,374,000 | 8,068,000 | 10,716,000 |
| Interest expense | 583,000 | 1,154,000 | 1,716,000 | 2,232,000 |
| Net interest income | 2,120,000 | 4,220,000 | 6,352,000 | 8,484,000 |
| Noninterest income | 206,000 | 407,000 | 617,000 | 807,000 |
| Noninterest expense | 1,031,000 | 2,183,000 | 3,349,000 | 4,861,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 1,287,000 | 2,407,000 | 3,566,000 | 4,332,000 |
| Income tax | 412,000 | 760,000 | 1,119,000 | 1,318,000 |
| Net income | 875,000 | 1,647,000 | 2,447,000 | 3,014,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,107,000 | 40,482,000 | 41,285,000 | 41,055,000 |
| Total capital | 41,973,000 | 42,322,000 | 43,163,000 | 42,978,000 |
| Risk-weighted assets | 164,896,000 | 169,859,000 | 175,584,000 | 177,380,000 |