Call reports 2016
CITIZENS NATIONAL BANK — 2016
What CITIZENS NATIONAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 441,049,000 | 413,548,000 | 405,423,000 | 414,833,000 |
| Total loans | 162,934,000 | 159,076,000 | 163,720,000 | 184,379,000 |
| Allowance for loan losses | 3,482,000 | 3,558,000 | 3,632,000 | 3,704,000 |
| Securities available for sale | 236,118,000 | 221,933,000 | 204,406,000 | 193,530,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 397,427,000 | 368,619,000 | 359,817,000 | 372,477,000 |
| Interest-bearing deposits | 381,321,000 | 352,150,000 | 344,161,000 | 357,849,000 |
| Noninterest-bearing deposits | 16,106,000 | 16,469,000 | 15,656,000 | 14,628,000 |
| Equity capital | 43,101,000 | 44,188,000 | 44,727,000 | 41,804,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,990,000 | 6,095,000 | 9,024,000 | 12,038,000 |
| Interest expense | 375,000 | 710,000 | 1,018,000 | 1,338,000 |
| Net interest income | 2,615,000 | 5,385,000 | 8,006,000 | 10,700,000 |
| Noninterest income | 417,000 | 832,000 | 1,257,000 | 1,670,000 |
| Noninterest expense | 2,071,000 | 4,305,000 | 6,547,000 | 8,731,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 886,000 | 1,972,000 | 2,846,000 | 3,694,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 886,000 | 1,972,000 | 2,846,000 | 3,694,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,395,000 | 43,109,000 | 43,728,000 | 44,269,000 |
| Total capital | 45,329,000 | 45,894,000 | 46,564,000 | 47,342,000 |
| Risk-weighted assets | 234,144,000 | 222,034,000 | 226,085,000 | 245,245,000 |