Call reports 2012
CITIZENS NATIONAL BANK — 2012
What CITIZENS NATIONAL BANK 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 | 84,253,000 | 84,919,000 | 87,139,000 | 91,595,000 |
| Total loans | 32,088,000 | 31,660,000 | 30,149,000 | 28,282,000 |
| Allowance for loan losses | 917,000 | 920,000 | 891,000 | 878,000 |
| Securities available for sale | 18,090,000 | 12,722,000 | 22,475,000 | 29,532,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,591,000 | 75,149,000 | 77,161,000 | 81,843,000 |
| Interest-bearing deposits | 52,427,000 | 51,491,000 | 51,818,000 | 55,923,000 |
| Noninterest-bearing deposits | 22,164,000 | 23,658,000 | 25,343,000 | 25,920,000 |
| Equity capital | 7,894,000 | 8,006,000 | 8,146,000 | 8,139,000 |
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 | 704,000 | 1,331,000 | 1,925,000 | 2,535,000 |
| Interest expense | 83,000 | 164,000 | 238,000 | 309,000 |
| Net interest income | 621,000 | 1,167,000 | 1,687,000 | 2,226,000 |
| Noninterest income | 139,000 | 290,000 | 449,000 | 605,000 |
| Noninterest expense | 818,000 | 1,508,000 | 2,132,000 | 2,719,000 |
| Provision for loan losses | 51,000 | 54,000 | 72,000 | 73,000 |
| Pretax income | 139,000 | 182,000 | 252,000 | 359,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 139,000 | 182,000 | 252,000 | 359,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,502,000 | 7,487,000 | 7,556,000 | 7,663,000 |
| Total capital | 8,011,000 | 7,992,000 | 8,075,000 | 8,174,000 |
| Risk-weighted assets | 40,305,000 | 39,965,000 | 41,148,000 | 40,511,000 |