Call reports 2019
CITIZENS NATIONAL BANK — 2019
What CITIZENS NATIONAL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 88,813,000 | 90,336,000 | 88,880,000 | 90,827,000 |
| Total loans | 34,293,000 | 34,914,000 | 36,052,000 | 36,391,000 |
| Allowance for loan losses | 646,000 | 657,000 | 702,000 | 693,000 |
| Securities available for sale | 13,653,000 | 13,702,000 | 11,604,000 | 14,448,000 |
| Securities held to maturity | 2,001,000 | 2,000,000 | 1,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,196,000 | 77,373,000 | 75,557,000 | 77,455,000 |
| Interest-bearing deposits | 48,666,000 | 47,836,000 | 45,890,000 | 47,585,000 |
| Noninterest-bearing deposits | 27,530,000 | 29,537,000 | 29,667,000 | 29,870,000 |
| Equity capital | 10,106,000 | 10,449,000 | 10,713,000 | 10,992,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 839,000 | 1,672,000 | 2,506,000 | 3,293,000 |
| Interest expense | 44,000 | 88,000 | 135,000 | 185,000 |
| Net interest income | 795,000 | 1,584,000 | 2,371,000 | 3,108,000 |
| Noninterest income | 145,000 | 250,000 | 363,000 | 462,000 |
| Noninterest expense | 626,000 | 1,236,000 | 1,890,000 | 2,509,000 |
| Provision for loan losses | 20,000 | 31,000 | 36,000 | 36,000 |
| Pretax income | 294,000 | 567,000 | 808,000 | 1,025,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 294,000 | 567,000 | 808,000 | 1,025,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,129,000 | 10,402,000 | 10,643,000 | 10,859,000 |
| Total capital | 10,673,000 | 10,963,000 | 11,184,000 | 11,440,000 |
| Risk-weighted assets | 43,400,000 | 44,762,000 | 43,112,000 | 46,348,000 |