Call reports 2014
CITIZENS NATIONAL BANK, THE — 2014
What CITIZENS NATIONAL BANK, THE 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 | 167,426,000 | 165,782,000 | 163,416,000 | 164,689,000 |
| Total loans | 63,410,000 | 64,148,000 | 66,450,000 | 67,147,000 |
| Allowance for loan losses | 1,225,000 | 1,222,000 | 1,173,000 | 1,181,000 |
| Securities available for sale | 97,562,000 | 91,608,000 | 92,179,000 | 91,189,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,534,000 | 150,527,000 | 145,632,000 | 146,117,000 |
| Interest-bearing deposits | 119,961,000 | 127,470,000 | 122,181,000 | 123,417,000 |
| Noninterest-bearing deposits | 30,573,000 | 23,057,000 | 23,451,000 | 22,700,000 |
| Equity capital | 14,521,000 | 14,863,000 | 15,205,000 | 15,466,000 |
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 | 1,326,000 | 2,665,000 | 3,991,000 | 5,334,000 |
| Interest expense | 100,000 | 200,000 | 298,000 | 390,000 |
| Net interest income | 1,226,000 | 2,465,000 | 3,693,000 | 4,944,000 |
| Noninterest income | 429,000 | 901,000 | 1,402,000 | 1,883,000 |
| Noninterest expense | 1,238,000 | 2,515,000 | 3,821,000 | 5,161,000 |
| Provision for loan losses | 6,000 | 12,000 | 22,000 | 34,000 |
| Pretax income | 430,000 | 936,000 | 1,365,000 | 1,763,000 |
| Income tax | 115,000 | 257,000 | 373,000 | 481,000 |
| Net income | 315,000 | 679,000 | 992,000 | 1,282,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,880,000 | 14,944,000 | 15,259,000 | 15,260,000 |
| Total capital | 15,817,000 | 15,887,000 | 16,214,000 | 16,226,000 |
| Risk-weighted assets | 74,827,000 | 75,147,000 | 76,218,000 | 77,044,000 |