Call reports 2022
CITIZENS NATIONAL BANK, THE — 2022
What CITIZENS NATIONAL BANK, THE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 225,837,000 | 218,949,000 | 216,260,000 | 213,535,000 |
| Total loans | 74,548,000 | 75,175,000 | 78,391,000 | 77,924,000 |
| Allowance for loan losses | 1,575,000 | 1,592,000 | 1,594,000 | 1,606,000 |
| Securities available for sale | 143,365,000 | 134,812,000 | 125,474,000 | 123,483,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 208,294,000 | 207,223,000 | 199,065,000 | 198,736,000 |
| Interest-bearing deposits | 164,705,000 | 168,344,000 | 156,016,000 | 154,459,000 |
| Noninterest-bearing deposits | 43,589,000 | 38,879,000 | 43,049,000 | 44,277,000 |
| Equity capital | 15,542,000 | 11,120,000 | 8,212,000 | 9,022,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,430,000 | 2,956,000 | 4,552,000 | 6,176,000 |
| Interest expense | 107,000 | 209,000 | 339,000 | 512,000 |
| Net interest income | 1,323,000 | 2,747,000 | 4,213,000 | 5,664,000 |
| Noninterest income | 428,000 | 879,000 | 1,351,000 | 1,827,000 |
| Noninterest expense | 1,323,000 | 2,635,000 | 4,046,000 | 5,467,000 |
| Provision for loan losses | 2,000 | 3,000 | 5,000 | 6,000 |
| Pretax income | 426,000 | 988,000 | 1,513,000 | 2,018,000 |
| Income tax | 70,000 | 176,000 | 268,000 | 356,000 |
| Net income | 356,000 | 812,000 | 1,245,000 | 1,662,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,453,000 | 21,609,000 | 22,041,000 | 22,159,000 |
| Total capital | 22,736,000 | 22,905,000 | 23,372,000 | 23,505,000 |
| Risk-weighted assets | 102,399,000 | 103,444,000 | 106,273,000 | 107,427,000 |