Call reports 2020
CITIZENS NATIONAL BANK, THE — 2020
What CITIZENS NATIONAL BANK, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 179,536,000 | 197,334,000 | 194,641,000 | 207,688,000 |
| Total loans | 65,467,000 | 75,581,000 | 76,302,000 | 76,594,000 |
| Allowance for loan losses | 1,230,000 | 1,241,000 | 1,576,000 | 1,585,000 |
| Securities available for sale | 107,711,000 | 110,841,000 | 108,756,000 | 117,606,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,085,000 | 165,229,000 | 162,447,000 | 180,694,000 |
| Interest-bearing deposits | 129,517,000 | 134,684,000 | 132,201,000 | 144,481,000 |
| Noninterest-bearing deposits | 25,568,000 | 30,545,000 | 30,246,000 | 36,213,000 |
| Equity capital | 19,748,000 | 21,745,000 | 21,860,000 | 22,089,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,579,000 | 3,387,000 | 4,860,000 | 6,330,000 |
| Interest expense | 256,000 | 465,000 | 659,000 | 837,000 |
| Net interest income | 1,323,000 | 2,922,000 | 4,201,000 | 5,493,000 |
| Noninterest income | 437,000 | 821,000 | 1,230,000 | 1,874,000 |
| Noninterest expense | 1,335,000 | 2,638,000 | 3,971,000 | 5,327,000 |
| Provision for loan losses | 8,000 | 15,000 | 323,000 | 330,000 |
| Pretax income | 417,000 | 1,090,000 | 1,137,000 | 1,710,000 |
| Income tax | 80,000 | 209,000 | 186,000 | 290,000 |
| Net income | 337,000 | 881,000 | 951,000 | 1,420,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,931,000 | 19,175,000 | 19,245,000 | 19,414,000 |