Call reports 2015
CITIZENS NATIONAL BANK, THE — 2015
What CITIZENS NATIONAL BANK, THE 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 | 171,589,000 | 172,271,000 | 170,686,000 | 170,485,000 |
| Total loans | 61,676,000 | 62,342,000 | 63,916,000 | 63,770,000 |
| Allowance for loan losses | 1,203,000 | 1,224,000 | 1,214,000 | 1,201,000 |
| Securities available for sale | 102,642,000 | 102,056,000 | 100,367,000 | 101,326,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,979,000 | 156,435,000 | 154,044,000 | 152,725,000 |
| Interest-bearing deposits | 130,432,000 | 133,947,000 | 130,743,000 | 129,126,000 |
| Noninterest-bearing deposits | 24,547,000 | 22,488,000 | 23,301,000 | 23,599,000 |
| Equity capital | 16,072,000 | 15,451,000 | 16,237,000 | 16,000,000 |
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 | 1,309,000 | 2,615,000 | 3,951,000 | 5,297,000 |
| Interest expense | 91,000 | 179,000 | 270,000 | 359,000 |
| Net interest income | 1,218,000 | 2,436,000 | 3,681,000 | 4,938,000 |
| Noninterest income | 432,000 | 898,000 | 1,400,000 | 1,859,000 |
| Noninterest expense | 1,283,000 | 2,567,000 | 3,866,000 | 5,202,000 |
| Provision for loan losses | 12,000 | 21,000 | 21,000 | 21,000 |
| Pretax income | 379,000 | 770,000 | 1,218,000 | 1,598,000 |
| Income tax | 94,000 | 179,000 | 277,000 | 342,000 |
| Net income | 285,000 | 591,000 | 941,000 | 1,256,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,546,000 | 15,551,000 | 15,901,000 | 15,916,000 |
| Total capital | 16,486,000 | 16,513,000 | 16,875,000 | 16,882,000 |
| Risk-weighted assets | 74,940,000 | 76,717,000 | 77,751,000 | 77,085,000 |