Call reports 2019
CITIZENS NATIONAL BANK OF ALBION — 2019
What CITIZENS NATIONAL BANK OF ALBION reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 322,265,000 | 324,417,000 | 318,837,000 | 320,188,000 |
| Total loans | 229,823,000 | 224,493,000 | 218,648,000 | 217,105,000 |
| Allowance for loan losses | 3,095,000 | 3,136,000 | 3,235,000 | 2,958,000 |
| Securities available for sale | 75,057,000 | 75,242,000 | 76,525,000 | 75,469,000 |
| Securities held to maturity | 709,000 | 709,000 | 709,000 | 709,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,635,000 | 248,500,000 | 246,918,000 | 254,697,000 |
| Interest-bearing deposits | 205,803,000 | 206,724,000 | 39,824,000 | 208,947,000 |
| Noninterest-bearing deposits | 41,832,000 | 41,776,000 | 207,094,000 | 45,750,000 |
| Equity capital | 53,659,000 | 54,867,000 | 55,820,000 | 55,447,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,214,000 | 6,469,000 | 9,628,000 | 12,760,000 |
| Interest expense | 663,000 | 1,353,000 | 2,050,000 | 2,747,000 |
| Net interest income | 2,551,000 | 5,116,000 | 7,578,000 | 10,013,000 |
| Noninterest income | 258,000 | 549,000 | 812,000 | 1,128,000 |
| Noninterest expense | 1,543,000 | 3,145,000 | 4,706,000 | 6,420,000 |
| Provision for loan losses | 108,000 | 216,000 | 324,000 | 557,000 |
| Pretax income | 1,159,000 | 2,343,000 | 3,441,000 | 4,268,000 |
| Income tax | 272,000 | 552,000 | 806,000 | 986,000 |
| Net income | 887,000 | 1,791,000 | 2,635,000 | 3,282,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,875,000 | 53,390,000 | 54,246,000 | 53,946,000 |
| Total capital | 55,831,000 | 56,293,000 | 57,085,000 | 56,778,000 |
| Risk-weighted assets | 236,289,000 | 231,937,000 | 226,672,000 | 226,384,000 |