Call reports 2020
CITIZENS NATIONAL BANK OF BLUFFTON, THE — 2020
What CITIZENS NATIONAL BANK OF BLUFFTON, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 876,519,000 | 963,300,000 | 953,806,000 | 953,506,000 |
| Total loans | 692,586,000 | 785,790,000 | 776,635,000 | 758,213,000 |
| Allowance for loan losses | 10,473,000 | 10,572,000 | 10,663,000 | 10,795,000 |
| Securities available for sale | 146,880,000 | 140,239,000 | 143,693,000 | 161,161,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 603,773,000 | 689,647,000 | 689,116,000 | 701,416,000 |
| Interest-bearing deposits | 476,377,000 | 499,224,000 | 500,159,000 | 493,655,000 |
| Noninterest-bearing deposits | 127,396,000 | 190,423,000 | 188,957,000 | 207,761,000 |
| Equity capital | 93,096,000 | 94,234,000 | 97,400,000 | 102,030,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 10,214,000 | 20,859,000 | 30,999,000 | 41,829,000 |
| Interest expense | 1,874,000 | 3,440,000 | 4,763,000 | 5,880,000 |
| Net interest income | 8,340,000 | 17,419,000 | 26,236,000 | 35,949,000 |
| Noninterest income | 1,654,000 | 3,376,000 | 6,483,000 | 9,621,000 |
| Noninterest expense | 5,263,000 | 11,886,000 | 17,894,000 | 25,766,000 |
| Provision for loan losses | 89,000 | 182,000 | 270,000 | 400,000 |
| Pretax income | 4,697,000 | 8,946,000 | 14,868,000 | 19,833,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 4,697,000 | 8,946,000 | 14,868,000 | 19,833,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 91,287,000 | 89,791,000 | 92,842,000 | 97,807,000 |