Call reports 2012
CITIZENS NATIONAL BANK — 2012
What CITIZENS NATIONAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 547,050,000 | 539,059,000 | 535,886,000 | 525,254,000 |
| Total loans | 383,719,000 | 361,344,000 | 342,977,000 | 338,711,000 |
| Allowance for loan losses | 11,058,000 | 10,009,000 | 9,353,000 | 9,093,000 |
| Securities available for sale | 93,595,000 | 117,810,000 | 117,236,000 | 144,708,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 477,393,000 | 468,652,000 | 462,016,000 | 456,238,000 |
| Interest-bearing deposits | 450,599,000 | 444,516,000 | 435,785,000 | 433,451,000 |
| Noninterest-bearing deposits | 26,794,000 | 24,136,000 | 26,231,000 | 22,787,000 |
| Equity capital | 52,718,000 | 52,889,000 | 55,167,000 | 54,267,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,566,000 | 11,011,000 | 16,362,000 | 21,231,000 |
| Interest expense | 1,093,000 | 2,117,000 | 3,088,000 | 3,962,000 |
| Net interest income | 4,473,000 | 8,894,000 | 13,274,000 | 17,269,000 |
| Noninterest income | 795,000 | 356,000 | 1,109,000 | 1,756,000 |
| Noninterest expense | 3,431,000 | 6,939,000 | 10,400,000 | 14,173,000 |
| Provision for loan losses | 750,000 | 1,315,000 | 1,315,000 | 1,515,000 |
| Pretax income | 1,087,000 | 1,045,000 | 2,714,000 | 3,386,000 |
| Income tax | 66,000 | 132,000 | 198,000 | 326,000 |
| Net income | 1,021,000 | 913,000 | 2,516,000 | 3,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,178,000 | 52,067,000 | 53,731,000 | 53,184,000 |
| Total capital | 57,112,000 | 56,813,000 | 58,200,000 | 57,656,000 |
| Risk-weighted assets | 388,610,000 | 374,483,000 | 352,710,000 | 352,903,000 |