Call reports 2012
CITIZENS NATIONAL BANK — 2012
What CITIZENS NATIONAL BANK 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 | 341,943,000 | 335,875,000 | 359,325,000 | 373,715,000 |
| Total loans | 107,126,000 | 113,281,000 | 112,755,000 | 114,487,000 |
| Allowance for loan losses | 2,497,000 | 2,589,000 | 2,679,000 | 2,778,000 |
| Securities available for sale | 205,815,000 | 194,961,000 | 213,046,000 | 225,341,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 305,695,000 | 298,706,000 | 319,065,000 | 334,998,000 |
| Interest-bearing deposits | 293,474,000 | 286,004,000 | 305,222,000 | 321,155,000 |
| Noninterest-bearing deposits | 12,221,000 | 12,702,000 | 13,843,000 | 13,843,000 |
| Equity capital | 35,708,000 | 36,531,000 | 38,660,000 | 38,033,000 |
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 | 2,579,000 | 5,145,000 | 7,726,000 | 10,213,000 |
| Interest expense | 444,000 | 878,000 | 1,275,000 | 1,678,000 |
| Net interest income | 2,135,000 | 4,267,000 | 6,451,000 | 8,535,000 |
| Noninterest income | 468,000 | 912,000 | 1,381,000 | 1,929,000 |
| Noninterest expense | 1,648,000 | 3,294,000 | 4,981,000 | 6,862,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 919,000 | 2,121,000 | 3,020,000 | 4,173,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 919,000 | 2,121,000 | 3,020,000 | 4,173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,973,000 | 33,710,000 | 33,894,000 | 34,826,000 |
| Total capital | 34,992,000 | 35,783,000 | 36,038,000 | 37,045,000 |
| Risk-weighted assets | 161,733,000 | 165,554,000 | 170,975,000 | 176,847,000 |
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