Call reports 2012
CITIZENS NATIONAL BANK OF CHEBOYGAN — 2012
What CITIZENS NATIONAL BANK OF CHEBOYGAN reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 252,109,000 | 252,224,000 | 262,138,000 | 260,897,000 |
| Total loans | 119,699,000 | 118,174,000 | 110,811,000 | 110,383,000 |
| Allowance for loan losses | 3,804,000 | 3,978,000 | 3,568,000 | 3,638,000 |
| Securities available for sale | 74,076,000 | 82,156,000 | 98,955,000 | 98,911,000 |
| Securities held to maturity | 4,578,000 | 4,030,000 | 4,572,000 | 4,507,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 229,640,000 | 229,417,000 | 239,135,000 | 237,898,000 |
| Interest-bearing deposits | 175,572,000 | 174,664,000 | 185,472,000 | 180,252,000 |
| Noninterest-bearing deposits | 54,068,000 | 54,753,000 | 53,663,000 | 57,646,000 |
| Equity capital | 18,055,000 | 18,413,000 | 18,761,000 | 18,685,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,192,000 | 4,299,000 | 6,373,000 | 8,370,000 |
| Interest expense | 284,000 | 555,000 | 825,000 | 1,083,000 |
| Net interest income | 1,908,000 | 3,744,000 | 5,548,000 | 7,287,000 |
| Noninterest income | 899,000 | 1,502,000 | 2,155,000 | 2,819,000 |
| Noninterest expense | 1,861,000 | 3,745,000 | 5,601,000 | 7,478,000 |
| Provision for loan losses | 710,000 | 860,000 | 960,000 | 1,010,000 |
| Pretax income | 489,000 | 915,000 | 1,416,000 | 1,895,000 |
| Income tax | 123,000 | 227,000 | 356,000 | 478,000 |
| Net income | 366,000 | 688,000 | 1,060,000 | 1,417,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,102,000 | 16,583,000 | 17,057,000 | 17,537,000 |
| Total capital | 17,662,000 | 18,145,000 | 18,499,000 | 19,054,000 |
| Risk-weighted assets | 122,588,000 | 122,677,000 | 118,839,000 | 119,294,000 |