Call reports 2014
CITIZENS NATIONAL BANK, THE — 2014
What CITIZENS NATIONAL BANK, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 406,961,000 | 328,839,000 | 332,706,000 | 330,844,000 |
| Total loans | 111,282,000 | 118,233,000 | 121,149,000 | 124,763,000 |
| Allowance for loan losses | 2,405,000 | 2,230,000 | 2,292,000 | 2,198,000 |
| Securities available for sale | 254,057,000 | 174,222,000 | 173,989,000 | 173,986,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 265,074,000 | 285,557,000 | 288,083,000 | 285,193,000 |
| Interest-bearing deposits | 191,057,000 | 205,023,000 | 207,798,000 | 204,247,000 |
| Noninterest-bearing deposits | 74,016,000 | 80,534,000 | 80,285,000 | 80,946,000 |
| Equity capital | 38,120,000 | 39,468,000 | 40,644,000 | 41,539,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,159,000 | 5,821,000 | 8,570,000 | 11,248,000 |
| Interest expense | 349,000 | 732,000 | 1,070,000 | 1,407,000 |
| Net interest income | 2,810,000 | 5,089,000 | 7,500,000 | 9,841,000 |
| Noninterest income | 418,000 | 883,000 | 1,394,000 | 1,826,000 |
| Noninterest expense | 2,048,000 | 4,289,000 | 6,430,000 | 8,868,000 |
| Provision for loan losses | 45,000 | 60,000 | 98,000 | 113,000 |
| Pretax income | 1,135,000 | 1,641,000 | 2,384,000 | 2,704,000 |
| Income tax | 291,000 | 359,000 | 523,000 | 411,000 |
| Net income | 844,000 | 1,282,000 | 1,861,000 | 2,293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,516,000 | 39,374,000 | 39,807,000 | 39,153,000 |
| Total capital | 41,968,000 | 41,708,000 | 42,159,000 | 41,501,000 |
| Risk-weighted assets | 196,079,000 | 186,662,000 | 188,060,000 | 189,309,000 |
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