Call reports 2020
CITIZENS NATIONAL BANK — 2020
What CITIZENS NATIONAL BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 85,951,000 | 90,750,000 | 87,750,000 | 94,534,000 |
| Total loans | 35,268,000 | 40,080,000 | 38,988,000 | 36,198,000 |
| Allowance for loan losses | 696,000 | 694,000 | 695,000 | 692,000 |
| Securities available for sale | 13,873,000 | 13,256,000 | 12,153,000 | 10,465,000 |
| Securities held to maturity | 1,000,000 | 1,000,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,867,000 | 77,331,000 | 74,209,000 | 81,217,000 |
| Interest-bearing deposits | 44,464,000 | 44,025,000 | 42,796,000 | 48,723,000 |
| Noninterest-bearing deposits | 28,403,000 | 33,306,000 | 31,413,000 | 32,494,000 |
| Equity capital | 10,642,000 | 10,877,000 | 11,013,000 | 11,066,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 782,000 | 1,624,000 | 2,277,000 | 2,886,000 |
| Interest expense | 55,000 | 101,000 | 145,000 | 188,000 |
| Net interest income | 727,000 | 1,523,000 | 2,132,000 | 2,698,000 |
| Noninterest income | 134,000 | 229,000 | 326,000 | 377,000 |
| Noninterest expense | 654,000 | 1,417,000 | 1,972,000 | 2,491,000 |
| Provision for loan losses | 42,000 | 43,000 | 43,000 | 43,000 |
| Pretax income | 165,000 | 292,000 | 443,000 | 541,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 165,000 | 292,000 | 443,000 | 541,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,561,000 | 10,688,000 | 10,839,000 | 10,937,000 |
| Total capital | 11,114,000 | — | — | — |
| Risk-weighted assets | 44,124,000 | — | — | — |