Call reports 2017
CITIZENS NATIONAL BANK, THE — 2017
What CITIZENS NATIONAL BANK, THE reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 177,060,000 | 178,980,000 | 176,804,000 | 176,726,000 |
| Total loans | 64,787,000 | 67,597,000 | 68,437,000 | 69,045,000 |
| Allowance for loan losses | 1,256,000 | 1,269,000 | 1,281,000 | 1,064,000 |
| Securities available for sale | 105,780,000 | 103,869,000 | 102,212,000 | 101,082,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,188,000 | 161,636,000 | 156,624,000 | 155,082,000 |
| Interest-bearing deposits | 133,573,000 | 137,313,000 | 131,441,000 | 129,803,000 |
| Noninterest-bearing deposits | 26,615,000 | 24,323,000 | 25,183,000 | 25,279,000 |
| Equity capital | 16,550,000 | 17,095,000 | 17,378,000 | 16,866,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,374,000 | 2,802,000 | 4,241,000 | 5,713,000 |
| Interest expense | 79,000 | 162,000 | 248,000 | 338,000 |
| Net interest income | 1,295,000 | 2,640,000 | 3,993,000 | 5,375,000 |
| Noninterest income | 413,000 | 889,000 | 1,362,000 | 1,825,000 |
| Noninterest expense | 1,226,000 | 2,504,000 | 3,783,000 | 5,146,000 |
| Provision for loan losses | 11,000 | 26,000 | 41,000 | 56,000 |
| Pretax income | 471,000 | 1,000,000 | 1,533,000 | 2,000,000 |
| Income tax | 123,000 | 268,000 | 414,000 | 665,000 |
| Net income | 348,000 | 732,000 | 1,119,000 | 1,335,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,874,000 | 16,908,000 | 17,295,000 | 17,212,000 |
| Total capital | 17,876,000 | 17,932,000 | 18,323,000 | 18,259,000 |
| Risk-weighted assets | 79,978,000 | 81,733,000 | 82,054,000 | 83,772,000 |