Call reports 2023
CITIZENS NATIONAL BANK — 2023
What CITIZENS NATIONAL BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 612,978,000 | 606,485,000 | 606,108,000 | 612,719,000 |
| Total loans | 425,545,000 | 425,365,000 | 428,258,000 | 433,863,000 |
| Allowance for loan losses | 6,387,000 | 6,507,000 | 6,627,000 | 6,719,000 |
| Securities available for sale | 132,283,000 | 127,259,000 | 114,314,000 | 112,950,000 |
| Securities held to maturity | 2,592,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 554,978,000 | 548,094,000 | 545,387,000 | 549,229,000 |
| Interest-bearing deposits | 414,028,000 | 412,120,000 | 407,308,000 | 416,323,000 |
| Noninterest-bearing deposits | 140,950,000 | 135,974,000 | 138,079,000 | 132,906,000 |
| Equity capital | 56,229,000 | 56,570,000 | 58,390,000 | 61,184,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 5,666,000 | 11,655,000 | 17,932,000 | 24,657,000 |
| Interest expense | 1,891,000 | 4,230,000 | 6,704,000 | 9,404,000 |
| Net interest income | 3,775,000 | 7,425,000 | 11,228,000 | 15,253,000 |
| Noninterest income | 373,000 | 748,000 | 1,139,000 | 1,592,000 |
| Noninterest expense | 2,529,000 | 4,947,000 | 7,261,000 | 9,737,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 427,000 |
| Pretax income | 1,499,000 | 2,986,000 | 4,746,000 | 6,628,000 |
| Income tax | 314,000 | 630,000 | 1,004,000 | 1,418,000 |
| Net income | 1,185,000 | 2,356,000 | 3,742,000 | 5,210,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,622,000 | 63,467,000 | 64,653,000 | 65,661,000 |
| Total capital | 68,422,000 | 69,183,000 | 70,338,000 | 71,401,000 |
| Risk-weighted assets | 463,453,000 | 456,466,000 | 453,864,000 | 458,183,000 |