Call reports 2024
CITIZENS NATIONAL BANK — 2024
What CITIZENS NATIONAL BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 611,284,000 | 605,209,000 | 616,311,000 | 619,533,000 |
| Total loans | 436,668,000 | 437,660,000 | 432,721,000 | 428,201,000 |
| Allowance for loan losses | 6,809,000 | 6,748,000 | 6,733,000 | 6,529,000 |
| Securities available for sale | 98,486,000 | 93,070,000 | 83,942,000 | 83,561,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 545,457,000 | 537,306,000 | 545,009,000 | 546,507,000 |
| Interest-bearing deposits | 420,972,000 | 412,652,000 | 420,383,000 | 421,186,000 |
| Noninterest-bearing deposits | 124,485,000 | 124,654,000 | 124,626,000 | 125,321,000 |
| Equity capital | 63,111,000 | 65,080,000 | 68,084,000 | 70,146,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 6,978,000 | 14,127,000 | 21,502,000 | 29,198,000 |
| Interest expense | 3,010,000 | 6,002,000 | 9,069,000 | 12,049,000 |
| Net interest income | 3,968,000 | 8,125,000 | 12,433,000 | 17,149,000 |
| Noninterest income | 771,000 | 1,167,000 | 1,573,000 | 1,948,000 |
| Noninterest expense | 2,638,000 | 5,281,000 | 7,978,000 | 10,877,000 |
| Provision for loan losses | 90,000 | 7,000 | -9,000 | -214,000 |
| Pretax income | 2,011,000 | 3,831,000 | 5,848,000 | 8,390,000 |
| Income tax | 431,000 | 799,000 | 1,182,000 | 1,654,000 |
| Net income | 1,580,000 | 3,032,000 | 4,666,000 | 6,736,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,241,000 | 68,693,000 | 70,327,000 | 72,397,000 |
| Total capital | 72,984,000 | 74,420,000 | 75,913,000 | 77,944,000 |
| Risk-weighted assets | 458,299,000 | 456,907,000 | 445,523,000 | 442,680,000 |