Call reports 2016
CITIZENS NATIONAL BANK OF BLUFFTON, THE — 2016
What CITIZENS NATIONAL BANK OF BLUFFTON, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 747,106,000 | 750,816,000 | 760,686,000 | 785,587,000 |
| Total loans | 596,175,000 | 597,531,000 | 606,132,000 | 622,949,000 |
| Allowance for loan losses | 8,142,000 | 8,319,000 | 8,558,000 | 8,782,000 |
| Securities available for sale | 125,269,000 | 127,199,000 | 127,230,000 | 132,948,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 514,431,000 | 513,164,000 | 512,124,000 | 527,659,000 |
| Interest-bearing deposits | 396,113,000 | 394,984,000 | 391,728,000 | 393,774,000 |
| Noninterest-bearing deposits | 118,318,000 | 118,180,000 | 120,396,000 | 133,885,000 |
| Equity capital | 70,280,000 | 70,143,000 | 71,117,000 | 71,677,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 7,969,000 | 16,034,000 | 24,436,000 | 32,765,000 |
| Interest expense | 1,098,000 | 2,201,000 | 3,298,000 | 4,370,000 |
| Net interest income | 6,871,000 | 13,833,000 | 21,138,000 | 28,395,000 |
| Noninterest income | 1,162,000 | 2,602,000 | 3,975,000 | 5,722,000 |
| Noninterest expense | 4,494,000 | 9,083,000 | 13,941,000 | 19,124,000 |
| Provision for loan losses | 230,000 | 459,000 | 692,000 | 923,000 |
| Pretax income | 3,309,000 | 6,952,000 | 10,606,000 | 14,196,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,309,000 | 6,952,000 | 10,606,000 | 14,196,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,067,000 | 67,179,000 | 68,567,000 | 72,157,000 |
| Total capital | 90,365,000 | 89,484,000 | 91,068,000 | 90,195,000 |
| Risk-weighted assets | 641,475,000 | 641,879,000 | 657,498,000 | 681,349,000 |