Call reports 2014
CITIZENS NATIONAL BANK — 2014
What CITIZENS NATIONAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 383,556,000 | 387,566,000 | 382,032,000 | 394,768,000 |
| Total loans | 118,767,000 | 136,624,000 | 138,136,000 | 152,328,000 |
| Allowance for loan losses | 2,840,000 | 2,848,000 | 2,856,000 | 2,864,000 |
| Securities available for sale | 234,661,000 | 217,153,000 | 208,919,000 | 208,266,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 343,831,000 | 349,781,000 | 343,378,000 | 356,137,000 |
| Interest-bearing deposits | 328,925,000 | 332,657,000 | 328,774,000 | 341,062,000 |
| Noninterest-bearing deposits | 14,906,000 | 17,124,000 | 14,604,000 | 15,075,000 |
| Equity capital | 37,243,000 | 36,964,000 | 37,704,000 | 38,053,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,550,000 | 5,252,000 | 7,956,000 | 10,750,000 |
| Interest expense | 385,000 | 773,000 | 1,151,000 | 1,509,000 |
| Net interest income | 2,165,000 | 4,479,000 | 6,805,000 | 9,241,000 |
| Noninterest income | 458,000 | 902,000 | 1,344,000 | 1,808,000 |
| Noninterest expense | 1,967,000 | 3,981,000 | 6,003,000 | 8,368,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 696,000 | 1,605,000 | 2,367,000 | 2,878,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 696,000 | 1,605,000 | 2,367,000 | 2,878,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,880,000 | 38,305,000 | 38,882,000 | 38,859,000 |
| Total capital | 40,047,000 | 40,660,000 | 41,222,000 | 41,422,000 |
| Risk-weighted assets | 172,672,000 | 187,894,000 | 186,968,000 | 204,704,000 |