Call reports 2017
CITIZENS NATIONAL BANK OF CHEBOYGAN — 2017
What CITIZENS NATIONAL BANK OF CHEBOYGAN reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 278,817,000 | 278,089,000 | 304,517,000 | 289,985,000 |
| Total loans | 141,276,000 | 143,555,000 | 145,783,000 | 141,468,000 |
| Allowance for loan losses | 1,512,000 | 1,527,000 | 1,549,000 | 1,568,000 |
| Securities available for sale | 93,185,000 | 85,644,000 | 84,698,000 | 91,924,000 |
| Securities held to maturity | 2,883,000 | 2,669,000 | 2,349,000 | 1,917,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 250,508,000 | 248,237,000 | 276,311,000 | 262,185,000 |
| Interest-bearing deposits | 184,931,000 | 175,406,000 | 198,240,000 | 187,239,000 |
| Noninterest-bearing deposits | 65,577,000 | 72,831,000 | 78,071,000 | 74,946,000 |
| Equity capital | 22,892,000 | 23,778,000 | 23,702,000 | 23,028,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,145,000 | 4,350,000 | 6,625,000 | 8,983,000 |
| Interest expense | 70,000 | 141,000 | 212,000 | 283,000 |
| Net interest income | 2,075,000 | 4,209,000 | 6,413,000 | 8,700,000 |
| Noninterest income | 456,000 | 1,098,000 | 1,676,000 | 2,348,000 |
| Noninterest expense | 2,235,000 | 4,452,000 | 6,552,000 | 8,686,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 296,000 | 858,000 | 1,542,000 | 2,367,000 |
| Income tax | 62,000 | 214,000 | 408,000 | 1,030,000 |
| Net income | 234,000 | 644,000 | 1,134,000 | 1,337,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,591,000 | 26,230,000 | 26,381,000 | 27,284,000 |
| Total capital | 27,103,000 | 27,757,000 | 27,930,000 | 28,853,000 |
| Risk-weighted assets | 156,419,000 | 156,488,000 | 160,699,000 | 153,555,000 |