Call reports 2019
CITIZENS NATIONAL BANK, THE — 2019
What CITIZENS NATIONAL BANK, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 173,439,000 | 171,715,000 | 169,769,000 | 174,073,000 |
| Total loans | 68,013,000 | 68,465,000 | 69,453,000 | 66,616,000 |
| Allowance for loan losses | 1,214,000 | 1,232,000 | 1,251,000 | 1,226,000 |
| Securities available for sale | 99,392,000 | 97,613,000 | 93,596,000 | 98,653,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,473,000 | 152,472,000 | 148,996,000 | 154,340,000 |
| Interest-bearing deposits | 130,841,000 | 128,968,000 | 125,095,000 | 127,273,000 |
| Noninterest-bearing deposits | 24,632,000 | 23,504,000 | 23,901,000 | 27,067,000 |
| Equity capital | 17,617,000 | 18,881,000 | 19,467,000 | 19,371,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,563,000 | 3,157,000 | 4,715,000 | 6,278,000 |
| Interest expense | 226,000 | 493,000 | 766,000 | 1,032,000 |
| Net interest income | 1,337,000 | 2,664,000 | 3,949,000 | 5,246,000 |
| Noninterest income | 429,000 | 896,000 | 1,331,000 | 1,772,000 |
| Noninterest expense | 1,301,000 | 2,688,000 | 4,049,000 | 5,406,000 |
| Provision for loan losses | 27,000 | 42,000 | 57,000 | 72,000 |
| Pretax income | 414,000 | 806,000 | 1,150,000 | 1,516,000 |
| Income tax | 74,000 | 151,000 | 221,000 | 286,000 |
| Net income | 340,000 | 655,000 | 929,000 | 1,230,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,304,000 | 18,319,000 | 18,593,000 | 18,595,000 |
| Total capital | 19,338,000 | 19,345,000 | 19,623,000 | 19,605,000 |
| Risk-weighted assets | 82,610,000 | 81,904,000 | 82,256,000 | 80,620,000 |