Call reports 2014
CITIZENS NATIONAL BANK OF CROSBYTON — 2014
What CITIZENS NATIONAL BANK OF CROSBYTON 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 | 46,327,000 | 44,637,000 | 43,758,000 | 44,778,000 |
| Total loans | 14,031,000 | 16,671,000 | 18,809,000 | 18,156,000 |
| Allowance for loan losses | 141,000 | 143,000 | 145,000 | 145,000 |
| Securities available for sale | 2,458,000 | 2,472,000 | 2,461,000 | 2,480,000 |
| Securities held to maturity | 6,000 | 6,000 | 5,000 | 5,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,373,000 | 37,620,000 | 36,676,000 | 37,604,000 |
| Interest-bearing deposits | 27,442,000 | 26,968,000 | 27,170,000 | 27,222,000 |
| Noninterest-bearing deposits | 11,931,000 | 10,652,000 | 9,506,000 | 10,382,000 |
| Equity capital | 6,891,000 | 6,929,000 | 7,000,000 | 7,088,000 |
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 | 212,000 | 439,000 | 696,000 | 968,000 |
| Interest expense | 21,000 | 44,000 | 65,000 | 87,000 |
| Net interest income | 191,000 | 395,000 | 631,000 | 881,000 |
| Noninterest income | 50,000 | 96,000 | 149,000 | 189,000 |
| Noninterest expense | 168,000 | 326,000 | 493,000 | 709,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 73,000 | 165,000 | 287,000 | 361,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 73,000 | 165,000 | 287,000 | 361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,933,000 | 6,957,000 | 7,039,000 | 7,108,000 |
| Total capital | 7,120,000 | 7,146,000 | 7,230,000 | 7,299,000 |
| Risk-weighted assets | 19,253,000 | 21,115,000 | 22,756,000 | 22,333,000 |