Call reports 2015
CITIZENS NATIONAL BANK — 2015
What CITIZENS NATIONAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 531,520,000 | 525,579,000 | 527,336,000 | 535,771,000 |
| Total loans | 345,223,000 | 344,862,000 | 348,707,000 | 354,838,000 |
| Allowance for loan losses | 7,069,000 | 6,616,000 | 5,793,000 | 5,103,000 |
| Securities available for sale | 126,551,000 | 131,594,000 | 125,961,000 | 135,894,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 454,590,000 | 445,500,000 | 448,854,000 | 458,701,000 |
| Interest-bearing deposits | 409,905,000 | 401,762,000 | 400,039,000 | 406,173,000 |
| Noninterest-bearing deposits | 44,685,000 | 43,738,000 | 48,815,000 | 52,528,000 |
| Equity capital | 60,217,000 | 61,458,000 | 61,873,000 | 62,388,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,603,000 | 9,914,000 | 14,812,000 | 19,800,000 |
| Interest expense | 536,000 | 1,088,000 | 1,646,000 | 2,212,000 |
| Net interest income | 4,067,000 | 8,826,000 | 13,166,000 | 17,588,000 |
| Noninterest income | 846,000 | 1,804,000 | 2,749,000 | 3,677,000 |
| Noninterest expense | 3,466,000 | 7,010,000 | 10,374,000 | 14,386,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,474,000 | 3,645,000 | 5,579,000 | 6,951,000 |
| Income tax | 113,000 | 225,000 | 378,000 | 550,000 |
| Net income | 1,361,000 | 3,420,000 | 5,201,000 | 6,401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,079,000 | 61,137,000 | 60,977,000 | 62,177,000 |
| Total capital | 63,865,000 | 65,900,000 | 65,794,000 | 67,111,000 |
| Risk-weighted assets | 380,366,000 | 378,955,000 | 384,220,000 | 394,376,000 |