Call reports 2012
CITIZENS NATIONAL BANK, THE — 2012
What CITIZENS NATIONAL BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 189,593,000 | 194,432,000 | 189,365,000 | 187,069,000 |
| Total loans | 68,029,000 | 67,191,000 | 68,203,000 | 68,700,000 |
| Allowance for loan losses | 1,123,000 | 1,160,000 | 1,169,000 | 1,160,000 |
| Securities available for sale | 107,713,000 | 111,309,000 | 113,882,000 | 110,077,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,338,000 | 176,411,000 | 171,061,000 | 169,990,000 |
| Interest-bearing deposits | 143,789,000 | 148,144,000 | 142,184,000 | 139,828,000 |
| Noninterest-bearing deposits | 28,549,000 | 28,267,000 | 28,877,000 | 30,162,000 |
| Equity capital | 15,903,000 | 16,295,000 | 16,578,000 | 15,543,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,643,000 | 3,261,000 | 4,799,000 | 6,291,000 |
| Interest expense | 282,000 | 535,000 | 768,000 | 971,000 |
| Net interest income | 1,361,000 | 2,726,000 | 4,031,000 | 5,320,000 |
| Noninterest income | 473,000 | 912,000 | 1,364,000 | 1,818,000 |
| Noninterest expense | 1,256,000 | 2,542,000 | 3,842,000 | 5,166,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 592,000 | 1,092,000 | 1,531,000 | 1,932,000 |
| Income tax | 175,000 | 314,000 | 430,000 | 532,000 |
| Net income | 417,000 | 778,000 | 1,101,000 | 1,400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,482,000 | 14,664,000 | 14,809,000 | 13,928,000 |
| Total capital | 15,489,000 | 15,676,000 | 15,815,000 | 14,942,000 |
| Risk-weighted assets | 80,441,000 | 80,836,000 | 80,319,000 | 80,967,000 |