Call reports 2022
CITIZENS NATIONAL BANK — 2022
What CITIZENS NATIONAL BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 598,740,000 | 593,434,000 | 598,608,000 | 602,839,000 |
| Total loans | 370,010,000 | 389,301,000 | 402,056,000 | 421,741,000 |
| Allowance for loan losses | 5,565,000 | 5,715,000 | 5,865,000 | 6,266,000 |
| Securities available for sale | 174,100,000 | 165,950,000 | 149,074,000 | 144,311,000 |
| Securities held to maturity | 8,479,000 | 8,480,000 | 8,415,000 | 4,451,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 542,781,000 | 531,655,000 | 543,953,000 | 547,106,000 |
| Interest-bearing deposits | 391,716,000 | 380,294,000 | 385,475,000 | 405,141,000 |
| Noninterest-bearing deposits | 151,065,000 | 151,361,000 | 158,478,000 | 141,965,000 |
| Equity capital | 53,833,000 | 52,806,000 | 53,200,000 | 54,155,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 4,542,000 | 9,449,000 | 14,636,000 | 20,062,000 |
| Interest expense | 362,000 | 816,000 | 1,561,000 | 2,878,000 |
| Net interest income | 4,180,000 | 8,633,000 | 13,075,000 | 17,184,000 |
| Noninterest income | 347,000 | 711,000 | 1,087,000 | 1,439,000 |
| Noninterest expense | 2,339,000 | 4,695,000 | 7,110,000 | 9,739,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 850,000 |
| Pretax income | 2,038,000 | 4,349,000 | 6,602,000 | 8,034,000 |
| Income tax | 426,000 | 947,000 | 1,428,000 | 1,786,000 |
| Net income | 1,612,000 | 3,402,000 | 5,174,000 | 6,248,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,935,000 | 59,430,000 | 60,907,000 | 61,685,000 |
| Total capital | 63,471,000 | 65,138,000 | 66,704,000 | 67,572,000 |
| Risk-weighted assets | 442,835,000 | 456,610,000 | 463,681,000 | 470,553,000 |