Call reports 2016
CITIZENS NATIONAL BANK OF HILLSBORO, THE — 2016
What CITIZENS NATIONAL BANK OF HILLSBORO, 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 | 208,861,000 | 204,944,000 | 208,478,000 | 200,941,000 |
| Total loans | 34,640,000 | 38,699,000 | 40,030,000 | 41,104,000 |
| Allowance for loan losses | 411,000 | 413,000 | 419,000 | 419,000 |
| Securities available for sale | 137,653,000 | 129,221,000 | 128,228,000 | 118,135,000 |
| Securities held to maturity | 29,267,000 | 29,260,000 | 27,977,000 | 27,970,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,979,000 | 143,110,000 | 145,733,000 | 151,627,000 |
| Interest-bearing deposits | 121,615,000 | 117,533,000 | 116,920,000 | 122,117,000 |
| Noninterest-bearing deposits | 26,364,000 | 25,577,000 | 28,813,000 | 29,510,000 |
| Equity capital | 23,931,000 | 25,084,000 | 25,509,000 | 21,676,000 |
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 | 1,418,000 | 2,801,000 | 4,162,000 | 5,512,000 |
| Interest expense | 293,000 | 588,000 | 899,000 | 1,188,000 |
| Net interest income | 1,125,000 | 2,213,000 | 3,263,000 | 4,324,000 |
| Noninterest income | 179,000 | 360,000 | 547,000 | 729,000 |
| Noninterest expense | 836,000 | 1,650,000 | 2,463,000 | 3,288,000 |
| Provision for loan losses | 0 | 5,000 | 10,000 | 15,000 |
| Pretax income | 531,000 | 989,000 | 1,408,000 | 1,849,000 |
| Income tax | 0 | -3,000 | -3,000 | -3,000 |
| Net income | 531,000 | 992,000 | 1,411,000 | 1,852,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,566,000 | 21,703,000 | 21,863,000 | 22,007,000 |
| Total capital | 21,977,000 | 22,116,000 | 22,282,000 | 22,426,000 |
| Risk-weighted assets | 78,539,000 | 80,096,000 | 81,155,000 | 81,551,000 |