Call reports 2018
CITIZENS NATIONAL BANK OF ALBION — 2018
What CITIZENS NATIONAL BANK OF ALBION reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 327,254,000 | 326,597,000 | 323,686,000 | 323,950,000 |
| Total loans | 235,304,000 | 232,650,000 | 238,616,000 | 236,626,000 |
| Allowance for loan losses | 3,026,000 | 3,110,000 | 3,061,000 | 3,073,000 |
| Securities available for sale | 72,334,000 | 77,163,000 | 75,236,000 | 75,062,000 |
| Securities held to maturity | 709,000 | 709,000 | 709,000 | 709,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 257,807,000 | 256,607,000 | 249,577,000 | 250,909,000 |
| Interest-bearing deposits | 217,786,000 | 214,649,000 | 208,767,000 | 209,308,000 |
| Noninterest-bearing deposits | 40,021,000 | 41,958,000 | 40,810,000 | 41,601,000 |
| Equity capital | 50,543,000 | 50,945,000 | 51,607,000 | 52,128,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,088,000 | 6,229,000 | 9,438,000 | 12,732,000 |
| Interest expense | 523,000 | 1,070,000 | 1,643,000 | 2,289,000 |
| Net interest income | 2,565,000 | 5,159,000 | 7,795,000 | 10,443,000 |
| Noninterest income | 249,000 | 499,000 | 763,000 | 1,047,000 |
| Noninterest expense | 1,536,000 | 3,109,000 | 4,740,000 | 6,513,000 |
| Provision for loan losses | 108,000 | 216,000 | 216,000 | 216,000 |
| Pretax income | 1,170,000 | 2,308,000 | 3,582,000 | 4,741,000 |
| Income tax | 273,000 | 536,000 | 831,000 | 1,097,000 |
| Net income | 897,000 | 1,772,000 | 2,751,000 | 3,644,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,555,000 | 51,042,000 | 52,033,000 | 51,978,000 |
| Total capital | 53,560,000 | 54,034,000 | 55,083,000 | 55,012,000 |
| Risk-weighted assets | 240,338,000 | 239,172,000 | 243,904,000 | 242,633,000 |