Call reports 2020
CITIZENS NATIONAL BANK — 2020
What CITIZENS NATIONAL BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 415,760,000 | 454,006,000 | 482,439,000 | 509,285,000 |
| Total loans | 251,623,000 | 276,570,000 | 284,731,000 | 296,600,000 |
| Allowance for loan losses | 4,465,000 | 4,570,000 | 4,676,000 | 4,881,000 |
| Securities available for sale | 116,820,000 | 115,196,000 | 105,977,000 | 148,798,000 |
| Securities held to maturity | 0 | 4,984,000 | 9,943,000 | 9,964,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 366,027,000 | 400,643,000 | 428,939,000 | 455,404,000 |
| Interest-bearing deposits | 349,208,000 | 292,633,000 | 316,785,000 | 337,778,000 |
| Noninterest-bearing deposits | 16,819,000 | 108,010,000 | 112,154,000 | 117,626,000 |
| Equity capital | 48,595,000 | 51,115,000 | 51,702,000 | 52,291,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,053,000 | 8,972,000 | 12,965,000 | 16,990,000 |
| Interest expense | 723,000 | 1,301,000 | 1,861,000 | 2,388,000 |
| Net interest income | 3,330,000 | 7,671,000 | 11,104,000 | 14,602,000 |
| Noninterest income | 347,000 | 656,000 | 996,000 | 1,329,000 |
| Noninterest expense | 2,324,000 | 4,569,000 | 6,909,000 | 9,304,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 1,248,000 | 3,548,000 | 4,913,000 | 6,255,000 |
| Income tax | 234,000 | 695,000 | 967,000 | 1,225,000 |
| Net income | 1,014,000 | 2,853,000 | 3,946,000 | 5,030,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,213,000 | 49,706,000 | 50,403,000 | 50,982,000 |
| Total capital | 52,150,000 | 53,636,000 | 54,406,000 | 55,344,000 |
| Risk-weighted assets | 314,420,000 | 313,728,000 | 319,537,000 | 348,442,000 |