Call reports 2018
CITIZENS NATIONAL BANK, THE — 2018
What CITIZENS NATIONAL BANK, THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 176,541,000 | 174,471,000 | 169,403,000 | 168,520,000 |
| Total loans | 67,737,000 | 69,309,000 | 70,012,000 | 69,912,000 |
| Allowance for loan losses | 1,066,000 | 1,127,000 | 1,173,000 | 1,189,000 |
| Securities available for sale | 102,294,000 | 97,768,000 | 92,778,000 | 87,805,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,822,000 | 150,418,000 | 146,626,000 | 147,596,000 |
| Interest-bearing deposits | 130,064,000 | 128,001,000 | 122,593,000 | 122,059,000 |
| Noninterest-bearing deposits | 24,758,000 | 22,417,000 | 24,033,000 | 25,537,000 |
| Equity capital | 16,012,000 | 15,926,000 | 15,820,000 | 16,784,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,449,000 | 2,936,000 | 4,429,000 | 5,967,000 |
| Interest expense | 95,000 | 242,000 | 409,000 | 592,000 |
| Net interest income | 1,354,000 | 2,694,000 | 4,020,000 | 5,375,000 |
| Noninterest income | 432,000 | 869,000 | 1,320,000 | 1,758,000 |
| Noninterest expense | 1,299,000 | 2,615,000 | 3,949,000 | 5,323,000 |
| Provision for loan losses | 54,000 | 107,000 | 158,000 | 209,000 |
| Pretax income | 433,000 | 852,000 | 1,244,000 | 1,577,000 |
| Income tax | 74,000 | 146,000 | 212,000 | 265,000 |
| Net income | 359,000 | 706,000 | 1,032,000 | 1,312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,661,000 | 17,708,000 | 18,033,000 | 17,964,000 |
| Total capital | 18,697,000 | 18,761,000 | 19,090,000 | 19,066,000 |
| Risk-weighted assets | 82,878,000 | 84,179,000 | 84,498,000 | 88,111,000 |