Call reports 2016
CITIZENS NATIONAL BANK, THE — 2016
What CITIZENS NATIONAL BANK, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 177,371,000 | 171,949,000 | 170,568,000 | 173,850,000 |
| Total loans | 61,608,000 | 62,333,000 | 64,791,000 | 66,323,000 |
| Allowance for loan losses | 1,224,000 | 1,229,000 | 1,240,000 | 1,244,000 |
| Securities available for sale | 106,734,000 | 103,840,000 | 100,157,000 | 100,701,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,183,000 | 152,959,000 | 149,448,000 | 152,643,000 |
| Interest-bearing deposits | 135,537,000 | 130,116,000 | 126,596,000 | 128,099,000 |
| Noninterest-bearing deposits | 24,646,000 | 22,843,000 | 22,852,000 | 24,544,000 |
| Equity capital | 16,714,000 | 17,315,000 | 17,422,000 | 16,073,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,347,000 | 2,700,000 | 4,019,000 | 5,337,000 |
| Interest expense | 85,000 | 168,000 | 250,000 | 330,000 |
| Net interest income | 1,262,000 | 2,532,000 | 3,769,000 | 5,007,000 |
| Noninterest income | 403,000 | 873,000 | 1,336,000 | 1,770,000 |
| Noninterest expense | 1,283,000 | 2,587,000 | 3,817,000 | 5,137,000 |
| Provision for loan losses | 11,000 | 21,000 | 32,000 | 42,000 |
| Pretax income | 371,000 | 847,000 | 1,317,000 | 1,659,000 |
| Income tax | 74,000 | 196,000 | 320,000 | 398,000 |
| Net income | 297,000 | 651,000 | 997,000 | 1,261,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,213,000 | 16,217,000 | 16,563,000 | 16,527,000 |
| Total capital | 17,168,000 | 17,162,000 | 17,530,000 | 17,530,000 |
| Risk-weighted assets | 76,134,000 | 75,328,000 | 77,125,000 | 80,037,000 |