Call reports 2019
CITIZENS NATIONAL BANK — 2019
What CITIZENS NATIONAL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 407,483,000 | 405,483,000 | 414,287,000 | 444,940,000 |
| Total loans | 225,428,000 | 237,306,000 | 257,042,000 | 254,690,000 |
| Allowance for loan losses | 4,028,000 | 4,074,000 | 4,175,000 | 4,366,000 |
| Securities available for sale | 140,687,000 | 134,356,000 | 122,938,000 | 124,897,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 362,541,000 | 358,027,000 | 366,002,000 | 395,973,000 |
| Interest-bearing deposits | 345,812,000 | 341,316,000 | 349,932,000 | 378,856,000 |
| Noninterest-bearing deposits | 16,729,000 | 16,711,000 | 16,070,000 | 17,117,000 |
| Equity capital | 44,162,000 | 46,498,000 | 47,082,000 | 47,743,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,852,000 | 7,887,000 | 12,022,000 | 16,231,000 |
| Interest expense | 777,000 | 1,543,000 | 2,317,000 | 3,077,000 |
| Net interest income | 3,075,000 | 6,344,000 | 9,705,000 | 13,154,000 |
| Noninterest income | 335,000 | 693,000 | 1,064,000 | 1,413,000 |
| Noninterest expense | 2,248,000 | 4,402,000 | 6,663,000 | 9,136,000 |
| Provision for loan losses | 45,000 | 90,000 | 188,000 | 390,000 |
| Pretax income | 1,114,000 | 2,544,000 | 3,921,000 | 5,058,000 |
| Income tax | 178,000 | 423,000 | 685,000 | 893,000 |
| Net income | 936,000 | 2,121,000 | 3,236,000 | 4,165,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,373,000 | 46,381,000 | 46,881,000 | 47,494,000 |
| Total capital | 48,915,000 | 50,027,000 | 50,730,000 | 51,429,000 |
| Risk-weighted assets | 282,727,000 | 291,225,000 | 307,594,000 | 314,333,000 |