Call reports 2016
CITIZENS NATIONAL BANK — 2016
What CITIZENS NATIONAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 |
|---|---|---|---|
| Total assets | 552,288,000 | 556,771,000 | 551,363,000 |
| Total loans | 356,554,000 | 353,370,000 | 343,307,000 |
| Allowance for loan losses | 4,685,000 | 4,714,000 | 55,000 |
| Securities available for sale | 137,350,000 | 136,782,000 | 59,983,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 472,840,000 | 473,879,000 | 459,282,000 |
| Interest-bearing deposits | 416,002,000 | 421,186,000 | 396,263,000 |
| Noninterest-bearing deposits | 56,838,000 | 52,693,000 | 63,019,000 |
| Equity capital | 63,541,000 | 66,012,000 | 76,671,000 |
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 |
|---|---|---|---|
| Interest income | 5,050,000 | 10,249,000 | 1,522,000 |
| Interest expense | 595,000 | 1,198,000 | 131,000 |
| Net interest income | 4,455,000 | 9,051,000 | 1,391,000 |
| Noninterest income | 967,000 | 1,951,000 | 236,000 |
| Noninterest expense | 3,586,000 | 7,393,000 | 1,019,000 |
| Provision for loan losses | 0 | 0 | 55,000 |
| Pretax income | 1,855,000 | 3,697,000 | 583,000 |
| Income tax | 138,000 | 275,000 | 220,000 |
| Net income | 1,717,000 | 3,422,000 | 363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 |
|---|---|---|---|
| Tier 1 capital | 62,142,000 | 62,876,000 | 76,663,000 |
| Total capital | 67,064,000 | 67,818,000 | 76,956,000 |
| Risk-weighted assets | 394,173,000 | 395,390,000 | 383,568,000 |