Call reports 2016
CITIZENS NATIONAL BANK — 2016
What CITIZENS NATIONAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 98,475,000 | 96,559,000 | 93,973,000 | 93,931,000 |
| Total loans | 34,542,000 | 34,812,000 | 35,685,000 | 35,748,000 |
| Allowance for loan losses | 701,000 | 701,000 | 702,000 | 704,000 |
| Securities available for sale | 22,762,000 | 22,336,000 | 19,112,000 | 21,536,000 |
| Securities held to maturity | 3,999,000 | 2,011,000 | 2,010,000 | 2,009,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,929,000 | 84,772,000 | 82,026,000 | 82,565,000 |
| Interest-bearing deposits | 54,416,000 | 51,918,000 | 49,541,000 | 50,902,000 |
| Noninterest-bearing deposits | 32,513,000 | 32,854,000 | 32,485,000 | 31,663,000 |
| Equity capital | 9,436,000 | 9,649,000 | 9,669,000 | 9,268,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 729,000 | 1,438,000 | 2,134,000 | 2,797,000 |
| Interest expense | 48,000 | 94,000 | 140,000 | 187,000 |
| Net interest income | 681,000 | 1,344,000 | 1,994,000 | 2,610,000 |
| Noninterest income | 151,000 | 275,000 | 413,000 | 538,000 |
| Noninterest expense | 698,000 | 1,395,000 | 2,093,000 | 2,700,000 |
| Provision for loan losses | 10,000 | 11,000 | 13,000 | 22,000 |
| Pretax income | 124,000 | 213,000 | 303,000 | 428,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 124,000 | 213,000 | 303,000 | 428,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,849,000 | 8,930,000 | 9,020,000 | 9,146,000 |
| Total capital | 9,389,000 | 9,466,000 | 9,528,000 | 9,669,000 |
| Risk-weighted assets | 43,031,000 | 42,753,000 | 40,460,000 | 41,630,000 |