Call reports 2014
CITIZENS NATIONAL BANK — 2014
What CITIZENS NATIONAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 525,276,000 | 521,572,000 | 519,007,000 | 518,424,000 |
| Total loans | 331,525,000 | 337,213,000 | 334,097,000 | 341,662,000 |
| Allowance for loan losses | 7,724,000 | 7,575,000 | 7,307,000 | 7,019,000 |
| Securities available for sale | 123,418,000 | 135,911,000 | 130,598,000 | 129,660,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 454,830,000 | 448,188,000 | 443,695,000 | 440,872,000 |
| Interest-bearing deposits | 420,411,000 | 409,661,000 | 400,216,000 | 397,706,000 |
| Noninterest-bearing deposits | 34,419,000 | 38,527,000 | 43,479,000 | 43,166,000 |
| Equity capital | 55,240,000 | 56,905,000 | 58,492,000 | 60,452,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,355,000 | 9,102,000 | 13,822,000 | 19,002,000 |
| Interest expense | 539,000 | 1,090,000 | 1,644,000 | 2,196,000 |
| Net interest income | 3,816,000 | 8,012,000 | 12,178,000 | 16,806,000 |
| Noninterest income | 283,000 | 1,058,000 | 1,918,000 | 2,427,000 |
| Noninterest expense | 3,644,000 | 7,382,000 | 11,048,000 | 15,119,000 |
| Provision for loan losses | 0 | 0 | -841,000 | -841,000 |
| Pretax income | 461,000 | 1,751,000 | 3,970,000 | 5,036,000 |
| Income tax | 127,000 | 196,000 | 264,000 | 360,000 |
| Net income | 334,000 | 1,555,000 | 3,706,000 | 4,676,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,855,000 | 57,150,000 | 58,685,000 | 59,693,000 |
| Total capital | 60,392,000 | 61,669,000 | 63,145,000 | 64,233,000 |
| Risk-weighted assets | 359,613,000 | 358,242,000 | 353,759,000 | 360,536,000 |