Call reports 2013
CITIZENS NATIONAL BANK, THE — 2013
What CITIZENS NATIONAL BANK, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 363,271,000 | 393,159,000 | 402,166,000 | 403,115,000 |
| Total loans | 99,986,000 | 99,196,000 | 101,731,000 | 111,340,000 |
| Allowance for loan losses | 2,499,000 | 2,468,000 | 2,386,000 | 2,378,000 |
| Securities available for sale | 228,330,000 | 260,836,000 | 257,820,000 | 258,474,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 217,137,000 | 251,996,000 | 262,039,000 | 261,528,000 |
| Interest-bearing deposits | 149,511,000 | 181,517,000 | 191,968,000 | 190,824,000 |
| Noninterest-bearing deposits | 67,626,000 | 70,479,000 | 70,071,000 | 70,704,000 |
| Equity capital | 39,783,000 | 36,830,000 | 35,081,000 | 35,337,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,716,000 | 5,417,000 | 8,329,000 | 11,374,000 |
| Interest expense | 397,000 | 820,000 | 1,250,000 | 1,616,000 |
| Net interest income | 2,319,000 | 4,597,000 | 7,079,000 | 9,758,000 |
| Noninterest income | 435,000 | 821,000 | 1,222,000 | 1,669,000 |
| Noninterest expense | 2,054,000 | 4,170,000 | 6,249,000 | 8,459,000 |
| Provision for loan losses | 130,000 | 145,000 | 165,000 | 255,000 |
| Pretax income | 570,000 | 1,103,000 | 1,887,000 | 2,713,000 |
| Income tax | 76,000 | 113,000 | 256,000 | 383,000 |
| Net income | 494,000 | 990,000 | 1,631,000 | 2,330,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,764,000 | 37,970,000 | 38,478,000 | 38,728,000 |
| Total capital | 39,965,000 | 40,291,000 | 40,882,000 | 41,176,000 |
| Risk-weighted assets | 175,641,000 | 185,378,000 | 192,227,000 | 195,725,000 |
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