Call reports 2026
CITIZENS NATIONAL BANK OF CHEBOYGAN — 2026
What CITIZENS NATIONAL BANK OF CHEBOYGAN reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 463,876,000 | 470,958,000 |
| Total loans | 258,539,000 | 268,302,000 |
| Allowance for loan losses | 3,535,000 | 3,550,000 |
| Securities available for sale | 162,138,000 | 156,982,000 |
| Securities held to maturity | 5,212,000 | 4,967,000 |
| Trading assets | 0 | 0 |
| Total deposits | 435,232,000 | 435,798,000 |
| Interest-bearing deposits | 285,731,000 | 276,170,000 |
| Noninterest-bearing deposits | 149,501,000 | 159,628,000 |
| Equity capital | 20,709,000 | 21,470,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 4,817,000 | 9,759,000 |
| Interest expense | 511,000 | 1,072,000 |
| Net interest income | 4,306,000 | 8,687,000 |
| Noninterest income | 632,000 | 1,321,000 |
| Noninterest expense | 3,867,000 | 7,869,000 |
| Provision for loan losses | 23,000 | 38,000 |
| Pretax income | 1,048,000 | 2,101,000 |
| Income tax | 194,000 | 386,000 |
| Net income | 854,000 | 1,715,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 38,902,000 | 39,763,000 |
| Total capital | 41,951,000 | 42,987,000 |
| Risk-weighted assets | 270,878,000 | 278,306,000 |