Call reports 2015
CITIZENS NATIONAL BANK OF BLUFFTON, THE — 2015
What CITIZENS NATIONAL BANK OF BLUFFTON, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 688,232,000 | 691,303,000 | 717,941,000 | 741,516,000 |
| Total loans | 542,583,000 | 550,530,000 | 569,020,000 | 591,818,000 |
| Allowance for loan losses | 7,439,000 | 7,549,000 | 7,666,000 | 8,029,000 |
| Securities available for sale | 119,055,000 | 113,277,000 | 122,163,000 | 121,734,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 480,664,000 | 495,643,000 | 503,839,000 | 510,156,000 |
| Interest-bearing deposits | 378,469,000 | 387,888,000 | 382,628,000 | 380,329,000 |
| Noninterest-bearing deposits | 102,195,000 | 107,755,000 | 121,211,000 | 129,827,000 |
| Equity capital | 66,974,000 | 64,918,000 | 66,473,000 | 68,786,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 7,244,000 | 14,725,000 | 22,255,000 | 30,040,000 |
| Interest expense | 868,000 | 1,757,000 | 2,698,000 | 3,698,000 |
| Net interest income | 6,376,000 | 12,968,000 | 19,557,000 | 26,342,000 |
| Noninterest income | 1,280,000 | 2,744,000 | 4,192,000 | 5,369,000 |
| Noninterest expense | 4,529,000 | 9,080,000 | 13,608,000 | 18,369,000 |
| Provision for loan losses | 117,000 | 234,000 | 439,000 | 892,000 |
| Pretax income | 3,041,000 | 6,424,000 | 9,728,000 | 12,518,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,041,000 | 6,424,000 | 9,728,000 | 12,518,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,931,000 | 63,058,000 | 64,232,000 | 67,023,000 |
| Total capital | 85,648,000 | 84,885,000 | 86,176,000 | 89,247,000 |
| Risk-weighted assets | 601,721,000 | 609,724,000 | 619,141,000 | 635,635,000 |