Call reports 2024
CITIZENS NATIONAL BANK, THE — 2024
What CITIZENS NATIONAL BANK, THE reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 218,832,000 | 214,094,000 | 213,215,000 | 212,702,000 |
| Total loans | 73,455,000 | 80,268,000 | 84,454,000 | 89,076,000 |
| Allowance for loan losses | 1,636,000 | 1,643,000 | 1,651,000 | 1,658,000 |
| Securities available for sale | 115,010,000 | 116,158,000 | 119,676,000 | 113,341,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,548,000 | 201,332,000 | 193,609,000 | 196,506,000 |
| Interest-bearing deposits | 164,748,000 | 161,081,000 | 153,266,000 | 155,905,000 |
| Noninterest-bearing deposits | 41,800,000 | 40,251,000 | 40,343,000 | 40,601,000 |
| Equity capital | 11,861,000 | 12,220,000 | 15,324,000 | 12,795,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 1,970,000 | 4,019,000 | 6,070,000 | 8,190,000 |
| Interest expense | 704,000 | 1,440,000 | 2,222,000 | 2,949,000 |
| Net interest income | 1,266,000 | 2,579,000 | 3,848,000 | 5,241,000 |
| Noninterest income | 415,000 | 885,000 | 1,343,000 | 1,786,000 |
| Noninterest expense | 1,391,000 | 2,806,000 | 4,258,000 | 5,792,000 |
| Provision for loan losses | 2,000 | 3,000 | 5,000 | 6,000 |
| Pretax income | 288,000 | 655,000 | 928,000 | 1,229,000 |
| Income tax | 43,000 | 100,000 | 139,000 | 170,000 |
| Net income | 245,000 | 555,000 | 789,000 | 1,059,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,374,000 | 23,383,000 | 23,617,000 | 23,588,000 |
| Total capital | 24,651,000 | 24,710,000 | 24,962,000 | 25,017,000 |
| Risk-weighted assets | 101,868,000 | 105,893,000 | 107,316,000 | 114,096,000 |
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