Call reports 2012
CITIZENS NATIONAL BANK, THE — 2012
What CITIZENS NATIONAL BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 342,503,000 | 354,379,000 | 365,962,000 | 354,851,000 |
| Total loans | 93,336,000 | 95,353,000 | 97,938,000 | 99,703,000 |
| Allowance for loan losses | 2,601,000 | 2,443,000 | 2,444,000 | 2,368,000 |
| Securities available for sale | 207,696,000 | 213,813,000 | 237,175,000 | 223,012,000 |
| Securities held to maturity | 100,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,465,000 | 209,961,000 | 210,502,000 | 205,787,000 |
| Interest-bearing deposits | 145,355,000 | 146,363,000 | 148,645,000 | 141,835,000 |
| Noninterest-bearing deposits | 54,110,000 | 63,598,000 | 61,857,000 | 63,952,000 |
| Equity capital | 36,819,000 | 37,952,000 | 39,582,000 | 39,993,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,103,000 | 6,126,000 | 9,153,000 | 11,865,000 |
| Interest expense | 525,000 | 955,000 | 1,371,000 | 1,780,000 |
| Net interest income | 2,578,000 | 5,171,000 | 7,782,000 | 10,085,000 |
| Noninterest income | 453,000 | 1,030,000 | 1,389,000 | 1,853,000 |
| Noninterest expense | 2,096,000 | 4,308,000 | 6,534,000 | 8,850,000 |
| Provision for loan losses | 155,000 | 240,000 | 310,000 | 315,000 |
| Pretax income | 1,326,000 | 2,737,000 | 4,610,000 | 5,130,000 |
| Income tax | 361,000 | 727,000 | 1,236,000 | 1,322,000 |
| Net income | 965,000 | 2,010,000 | 3,374,000 | 3,808,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,526,000 | 35,927,000 | 37,488,000 | 36,983,000 |
| Total capital | 36,543,000 | 38,066,000 | 39,612,000 | 39,115,000 |
| Risk-weighted assets | 160,683,000 | 170,703,000 | 169,525,000 | 170,182,000 |
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