Call reports 2013
CITIZENS NATIONAL BANK — 2013
What CITIZENS NATIONAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 534,894,000 | 527,683,000 | 515,253,000 | 504,779,000 |
| Total loans | 333,325,000 | 325,691,000 | 331,425,000 | 331,099,000 |
| Allowance for loan losses | 9,013,000 | 8,711,000 | 7,649,000 | 7,856,000 |
| Securities available for sale | 114,819,000 | 112,439,000 | 108,936,000 | 106,291,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 461,036,000 | 455,675,000 | 438,935,000 | 436,957,000 |
| Interest-bearing deposits | 433,898,000 | 426,351,000 | 406,456,000 | 405,828,000 |
| Noninterest-bearing deposits | 27,138,000 | 29,324,000 | 32,479,000 | 31,129,000 |
| Equity capital | 55,264,000 | 54,532,000 | 55,609,000 | 56,230,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,712,000 | 9,200,000 | 13,770,000 | 18,326,000 |
| Interest expense | 752,000 | 1,435,000 | 2,067,000 | 2,633,000 |
| Net interest income | 3,960,000 | 7,765,000 | 11,703,000 | 15,693,000 |
| Noninterest income | 541,000 | 919,000 | 1,667,000 | 1,939,000 |
| Noninterest expense | 3,319,000 | 6,901,000 | 10,535,000 | 14,105,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,229,000 | 2,012,000 | 3,064,000 | 3,756,000 |
| Income tax | 35,000 | 70,000 | 105,000 | 140,000 |
| Net income | 1,194,000 | 1,942,000 | 2,959,000 | 3,616,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,489,000 | 55,242,000 | 56,329,000 | 57,020,000 |
| Total capital | 58,848,000 | 59,756,000 | 60,894,000 | 61,540,000 |
| Risk-weighted assets | 343,824,000 | 357,065,000 | 361,903,000 | 358,062,000 |