Call reports 2019
CITIZENS NATIONAL BANK OF BLUFFTON, THE — 2019
What CITIZENS NATIONAL BANK OF BLUFFTON, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 842,995,000 | 848,460,000 | 868,653,000 | 877,477,000 |
| Total loans | 691,107,000 | 694,667,000 | 709,746,000 | 713,472,000 |
| Allowance for loan losses | 10,065,000 | 10,204,000 | 10,301,000 | 10,388,000 |
| Securities available for sale | 124,198,000 | 131,635,000 | 128,512,000 | 132,088,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 568,558,000 | 574,064,000 | 591,695,000 | 589,281,000 |
| Interest-bearing deposits | 453,856,000 | 450,562,000 | 471,198,000 | 456,702,000 |
| Noninterest-bearing deposits | 114,702,000 | 123,502,000 | 120,497,000 | 132,579,000 |
| Equity capital | 83,662,000 | 84,670,000 | 86,802,000 | 91,343,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 9,830,000 | 20,108,000 | 30,600,000 | 41,231,000 |
| Interest expense | 2,133,000 | 4,326,000 | 6,610,000 | 8,658,000 |
| Net interest income | 7,697,000 | 15,782,000 | 23,990,000 | 32,573,000 |
| Noninterest income | 1,219,000 | 2,709,000 | 4,464,000 | 6,197,000 |
| Noninterest expense | 5,065,000 | 10,095,000 | 15,089,000 | 20,708,000 |
| Provision for loan losses | 139,000 | 268,000 | 359,000 | 448,000 |
| Pretax income | 3,712,000 | 8,128,000 | 13,002,000 | 17,610,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,712,000 | 8,128,000 | 13,002,000 | 17,610,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 84,551,000 | 83,620,000 | 84,840,000 | 89,448,000 |
| Total capital | 98,478,000 | 97,600,000 | 99,059,000 | 98,804,000 |
| Risk-weighted assets | 732,656,000 | 736,815,000 | 756,006,000 | 747,464,000 |