Call reports 2015
CITIZENS NATIONAL BANK — 2015
What CITIZENS NATIONAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 410,895,000 | 399,665,000 | 411,906,000 | 423,775,000 |
| Total loans | 154,484,000 | 159,137,000 | 165,981,000 | 171,017,000 |
| Allowance for loan losses | 3,000,000 | 3,136,000 | 3,271,000 | 3,407,000 |
| Securities available for sale | 227,643,000 | 209,272,000 | 205,116,000 | 223,543,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 362,153,000 | 359,581,000 | 369,900,000 | 378,339,000 |
| Interest-bearing deposits | 348,235,000 | 345,011,000 | 354,710,000 | 364,111,000 |
| Noninterest-bearing deposits | 13,918,000 | 14,570,000 | 15,190,000 | 14,228,000 |
| Equity capital | 39,453,000 | 39,427,000 | 41,181,000 | 40,648,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,845,000 | 5,703,000 | 8,634,000 | 11,614,000 |
| Interest expense | 368,000 | 726,000 | 1,081,000 | 1,444,000 |
| Net interest income | 2,477,000 | 4,977,000 | 7,553,000 | 10,170,000 |
| Noninterest income | 412,000 | 829,000 | 1,253,000 | 1,673,000 |
| Noninterest expense | 1,962,000 | 4,016,000 | 5,954,000 | 8,087,000 |
| Provision for loan losses | 135,000 | 270,000 | 405,000 | 540,000 |
| Pretax income | 765,000 | 1,538,000 | 2,649,000 | 3,429,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 765,000 | 1,538,000 | 2,649,000 | 3,429,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,800,000 | 40,500,000 | 41,067,000 | 41,554,000 |
| Total capital | 42,408,000 | 43,157,000 | 43,824,000 | 44,473,000 |
| Risk-weighted assets | 208,255,000 | 212,105,000 | 220,053,000 | 233,042,000 |