Call reports 2013
CITIZENS NATIONAL BANK — 2013
What CITIZENS NATIONAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 89,697,000 | 87,721,000 | 87,613,000 | 85,960,000 |
| Total loans | 28,432,000 | 29,197,000 | 29,900,000 | 29,879,000 |
| Allowance for loan losses | 878,000 | 786,000 | 778,000 | 719,000 |
| Securities available for sale | 33,284,000 | 19,599,000 | 19,235,000 | 19,296,000 |
| Securities held to maturity | 0 | 11,948,000 | 11,946,000 | 11,946,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,077,000 | 78,499,000 | 78,446,000 | 76,664,000 |
| Interest-bearing deposits | 55,110,000 | 53,080,000 | 53,112,000 | 52,096,000 |
| Noninterest-bearing deposits | 24,967,000 | 25,419,000 | 25,334,000 | 24,568,000 |
| Equity capital | 7,956,000 | 7,475,000 | 7,349,000 | 7,543,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 615,000 | 1,248,000 | 1,888,000 | 2,515,000 |
| Interest expense | 57,000 | 113,000 | 169,000 | 219,000 |
| Net interest income | 558,000 | 1,135,000 | 1,719,000 | 2,296,000 |
| Noninterest income | 175,000 | 309,000 | 458,000 | 596,000 |
| Noninterest expense | 589,000 | 1,214,000 | 1,853,000 | 2,494,000 |
| Provision for loan losses | 1,000 | 1,000 | 2,000 | 3,000 |
| Pretax income | 143,000 | 229,000 | 322,000 | 395,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 143,000 | 229,000 | 322,000 | 395,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,803,000 | 7,887,000 | 7,979,000 | 8,052,000 |
| Total capital | 8,326,000 | 8,406,000 | 8,508,000 | 8,576,000 |
| Risk-weighted assets | 41,460,000 | 41,247,000 | 42,103,000 | 41,722,000 |