Call reports 2013
CITIZENS NATIONAL BANK — 2013
What CITIZENS NATIONAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 368,438,000 | 355,127,000 | 373,006,000 | 381,360,000 |
| Total loans | 104,757,000 | 110,357,000 | 109,208,000 | 116,374,000 |
| Allowance for loan losses | 2,809,000 | 2,816,000 | 2,824,000 | 2,832,000 |
| Securities available for sale | 230,797,000 | 211,929,000 | 215,530,000 | 227,478,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 329,075,000 | 317,158,000 | 338,188,000 | 346,457,000 |
| Interest-bearing deposits | 314,407,000 | 302,757,000 | 323,057,000 | 329,560,000 |
| Noninterest-bearing deposits | 14,668,000 | 14,401,000 | 15,131,000 | 16,897,000 |
| Equity capital | 37,761,000 | 34,164,000 | 33,833,000 | 34,323,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,504,000 | 4,964,000 | 7,440,000 | 9,955,000 |
| Interest expense | 406,000 | 783,000 | 1,140,000 | 1,519,000 |
| Net interest income | 2,098,000 | 4,181,000 | 6,300,000 | 8,436,000 |
| Noninterest income | 480,000 | 932,000 | 1,401,000 | 1,925,000 |
| Noninterest expense | 1,770,000 | 3,576,000 | 5,440,000 | 7,413,000 |
| Provision for loan losses | 10,000 | 15,000 | 22,000 | 30,000 |
| Pretax income | 961,000 | 1,768,000 | 2,526,000 | 3,194,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 961,000 | 1,768,000 | 2,526,000 | 3,194,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,803,000 | 36,211,000 | 36,884,000 | 37,167,000 |
| Total capital | 37,917,000 | 38,299,000 | 38,991,000 | 39,348,000 |
| Risk-weighted assets | 168,801,000 | 166,312,000 | 167,854,000 | 173,820,000 |
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