Call reports 2023
CITIZENS NATIONAL BANK, THE — 2023
What CITIZENS NATIONAL BANK, THE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 217,552,000 | 214,279,000 | 201,122,000 | 208,728,000 |
| Total loans | 74,344,000 | 79,007,000 | 79,040,000 | 76,448,000 |
| Allowance for loan losses | 1,617,000 | 1,627,000 | 1,629,000 | 1,630,000 |
| Securities available for sale | 122,316,000 | 117,728,000 | 111,502,000 | 114,513,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,651,000 | 203,460,000 | 192,156,000 | 195,862,000 |
| Interest-bearing deposits | 161,532,000 | 160,187,000 | 150,560,000 | 158,363,000 |
| Noninterest-bearing deposits | 44,119,000 | 43,273,000 | 41,596,000 | 37,499,000 |
| Equity capital | 11,550,000 | 10,453,000 | 8,564,000 | 12,501,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,734,000 | 3,484,000 | 5,280,000 | 7,113,000 |
| Interest expense | 195,000 | 503,000 | 854,000 | 1,436,000 |
| Net interest income | 1,539,000 | 2,981,000 | 4,426,000 | 5,677,000 |
| Noninterest income | 410,000 | 868,000 | 1,315,000 | 1,758,000 |
| Noninterest expense | 1,325,000 | 2,681,000 | 4,090,000 | 5,520,000 |
| Provision for loan losses | 1,000 | 3,000 | 4,000 | 6,000 |
| Pretax income | 623,000 | 1,165,000 | 1,647,000 | 1,909,000 |
| Income tax | 118,000 | 218,000 | 303,000 | 340,000 |
| Net income | 505,000 | 947,000 | 1,344,000 | 1,569,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,664,000 | 22,807,000 | 23,203,000 | 23,128,000 |
| Total capital | 23,956,000 | 24,127,000 | 24,501,000 | 24,422,000 |
| Risk-weighted assets | 103,088,000 | 105,366,000 | 103,540,000 | 103,228,000 |