Call reports 2014
CITIZENS NATIONAL BANK — 2014
What CITIZENS NATIONAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 87,879,000 | 88,699,000 | 91,110,000 | 93,447,000 |
| Total loans | 29,842,000 | 29,905,000 | 30,220,000 | 31,024,000 |
| Allowance for loan losses | 719,000 | 732,000 | 673,000 | 666,000 |
| Securities available for sale | 19,443,000 | 19,658,000 | 19,683,000 | 19,689,000 |
| Securities held to maturity | 11,955,000 | 10,963,000 | 10,967,000 | 10,972,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,026,000 | 78,497,000 | 80,476,000 | 82,807,000 |
| Interest-bearing deposits | 52,229,000 | 50,058,000 | 50,534,000 | 52,824,000 |
| Noninterest-bearing deposits | 25,797,000 | 28,439,000 | 29,942,000 | 29,984,000 |
| Equity capital | 7,991,000 | 8,318,000 | 8,607,000 | 8,779,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 628,000 | 1,261,000 | 1,904,000 | 2,557,000 |
| Interest expense | 48,000 | 94,000 | 137,000 | 179,000 |
| Net interest income | 580,000 | 1,167,000 | 1,767,000 | 2,378,000 |
| Noninterest income | 179,000 | 321,000 | 460,000 | 576,000 |
| Noninterest expense | 645,000 | 1,308,000 | 1,979,000 | 2,592,000 |
| Provision for loan losses | 1,000 | 3,000 | -47,000 | -46,000 |
| Pretax income | 113,000 | 177,000 | 295,000 | 408,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 113,000 | 177,000 | 295,000 | 408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,161,000 | 8,217,000 | 8,335,000 | 8,448,000 |
| Total capital | 8,675,000 | 8,714,000 | 8,865,000 | 8,998,000 |
| Risk-weighted assets | 40,944,000 | 39,565,000 | 42,245,000 | 43,869,000 |