Call reports 2015
CITIZENS NATIONAL BANK OF CROSBYTON — 2015
What CITIZENS NATIONAL BANK OF CROSBYTON 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 | 45,120,000 | 44,864,000 | 43,283,000 | 45,806,000 |
| Total loans | 15,407,000 | 16,553,000 | 19,230,000 | 18,066,000 |
| Allowance for loan losses | 146,000 | 147,000 | 148,000 | 189,000 |
| Securities available for sale | 2,481,000 | 2,493,000 | 2,494,000 | 2,491,000 |
| Securities held to maturity | 4,000 | 4,000 | 4,000 | 3,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,928,000 | 37,641,000 | 35,982,000 | 38,451,000 |
| Interest-bearing deposits | 27,210,000 | 26,772,000 | 26,326,000 | 28,364,000 |
| Noninterest-bearing deposits | 10,718,000 | 10,869,000 | 9,656,000 | 10,087,000 |
| Equity capital | 7,123,000 | 7,137,000 | 7,217,000 | 7,264,000 |
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 | 233,000 | 457,000 | 711,000 | 983,000 |
| Interest expense | 21,000 | 42,000 | 63,000 | 87,000 |
| Net interest income | 212,000 | 415,000 | 648,000 | 896,000 |
| Noninterest income | 47,000 | 92,000 | 138,000 | 186,000 |
| Noninterest expense | 181,000 | 360,000 | 526,000 | 732,000 |
| Provision for loan losses | 0 | 0 | 0 | 40,000 |
| Pretax income | 78,000 | 147,000 | 260,000 | 310,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 78,000 | 147,000 | 260,000 | 310,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,123,000 | 7,144,000 | 7,223,000 | 7,273,000 |
| Total capital | 7,315,000 | 7,337,000 | 7,417,000 | 7,508,000 |
| Risk-weighted assets | 20,110,000 | 17,999,000 | 19,311,000 | 18,837,000 |