Call reports 2015
CITIZENS NATIONAL BANK — 2015
What CITIZENS NATIONAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 95,889,000 | 96,258,000 | 97,196,000 | 100,266,000 |
| Total loans | 31,265,000 | 30,684,000 | 33,409,000 | 35,167,000 |
| Allowance for loan losses | 692,000 | 689,000 | 682,000 | 685,000 |
| Securities available for sale | 19,721,000 | 20,946,000 | 21,501,000 | 19,146,000 |
| Securities held to maturity | 7,979,000 | 5,989,000 | 5,994,000 | 5,995,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,970,000 | 85,470,000 | 86,024,000 | 88,925,000 |
| Interest-bearing deposits | 52,357,000 | 53,241,000 | 54,283,000 | 56,364,000 |
| Noninterest-bearing deposits | 32,613,000 | 32,229,000 | 31,741,000 | 32,561,000 |
| Equity capital | 8,927,000 | 8,765,000 | 9,008,000 | 9,364,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 647,000 | 1,288,000 | 1,965,000 | 2,666,000 |
| Interest expense | 41,000 | 84,000 | 126,000 | 170,000 |
| Net interest income | 606,000 | 1,204,000 | 1,839,000 | 2,496,000 |
| Noninterest income | 156,000 | 279,000 | 428,000 | 555,000 |
| Noninterest expense | 673,000 | 1,358,000 | 2,027,000 | 2,616,000 |
| Provision for loan losses | 25,000 | 26,000 | 28,000 | 30,000 |
| Pretax income | 64,000 | 99,000 | 212,000 | 405,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 64,000 | 99,000 | 212,000 | 405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,510,000 | 8,537,000 | 8,650,000 | 8,843,000 |
| Total capital | 9,009,000 | 8,978,000 | 9,160,000 | 9,391,000 |
| Risk-weighted assets | 39,737,000 | 35,023,000 | 40,603,000 | 43,676,000 |