Call reports 2013
CITIZENS NATIONAL BANK, THE — 2013
What CITIZENS NATIONAL BANK, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 195,837,000 | 186,312,000 | 172,023,000 | 169,793,000 |
| Total loans | 62,258,000 | 66,937,000 | 66,617,000 | 68,935,000 |
| Allowance for loan losses | 1,200,000 | 1,215,000 | 1,217,000 | 1,212,000 |
| Securities available for sale | 123,783,000 | 113,368,000 | 99,100,000 | 93,705,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,894,000 | 163,747,000 | 156,053,000 | 148,877,000 |
| Interest-bearing deposits | 144,780,000 | 133,456,000 | 126,081,000 | 119,125,000 |
| Noninterest-bearing deposits | 34,114,000 | 30,291,000 | 29,972,000 | 29,752,000 |
| Equity capital | 15,556,000 | 14,658,000 | 14,188,000 | 13,961,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,373,000 | 2,804,000 | 4,173,000 | 5,550,000 |
| Interest expense | 180,000 | 339,000 | 487,000 | 615,000 |
| Net interest income | 1,193,000 | 2,465,000 | 3,686,000 | 4,935,000 |
| Noninterest income | 440,000 | 919,000 | 1,404,000 | 1,903,000 |
| Noninterest expense | 1,284,000 | 2,589,000 | 3,936,000 | 5,215,000 |
| Provision for loan losses | 18,000 | 36,000 | 42,000 | 48,000 |
| Pretax income | 331,000 | 781,000 | 1,172,000 | 1,635,000 |
| Income tax | 88,000 | 197,000 | 275,000 | 402,000 |
| Net income | 243,000 | 584,000 | 897,000 | 1,233,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,172,000 | 14,514,000 | 14,527,000 | 14,565,000 |
| Total capital | 15,136,000 | 15,511,000 | 15,491,000 | 15,558,000 |
| Risk-weighted assets | 76,909,000 | 79,494,000 | 76,886,000 | 79,247,000 |