Call reports 2015
CITIZENS NATIONAL BANK OF ALBION — 2015
What CITIZENS NATIONAL BANK OF ALBION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 276,413,000 | 324,675,000 | 317,410,000 | 316,315,000 |
| Total loans | 181,345,000 | 209,412,000 | 216,198,000 | 223,490,000 |
| Allowance for loan losses | 2,256,000 | 2,366,000 | 2,484,000 | 2,486,000 |
| Securities available for sale | 86,741,000 | 101,776,000 | 86,901,000 | 79,231,000 |
| Securities held to maturity | 709,000 | 709,000 | 709,000 | 709,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 229,063,000 | 256,915,000 | 250,993,000 | 255,305,000 |
| Interest-bearing deposits | 195,452,000 | 218,255,000 | 212,521,000 | 217,530,000 |
| Noninterest-bearing deposits | 33,611,000 | 38,660,000 | 38,472,000 | 37,775,000 |
| Equity capital | 46,403,000 | 46,374,000 | 47,434,000 | 47,254,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,561,000 | 5,430,000 | 8,391,000 | 11,335,000 |
| Interest expense | 363,000 | 736,000 | 1,120,000 | 1,499,000 |
| Net interest income | 2,198,000 | 4,694,000 | 7,271,000 | 9,836,000 |
| Noninterest income | 219,000 | 460,000 | 795,000 | 1,056,000 |
| Noninterest expense | 1,226,000 | 2,683,000 | 4,308,000 | 6,212,000 |
| Provision for loan losses | 90,000 | 189,000 | 291,000 | 394,000 |
| Pretax income | 1,106,000 | 2,285,000 | 3,495,000 | 4,328,000 |
| Income tax | 310,000 | 672,000 | 975,000 | 1,185,000 |
| Net income | 796,000 | 1,613,000 | 2,520,000 | 3,143,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,942,000 | 45,207,000 | 46,119,000 | 45,947,000 |
| Total capital | 47,283,000 | 47,658,000 | 48,688,000 | 48,518,000 |
| Risk-weighted assets | 191,983,000 | 223,724,000 | 224,344,000 | 230,460,000 |