Call reports 2012
CITIZENS NATIONAL BANK — 2012
What CITIZENS NATIONAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 54,649,000 | 54,324,000 | 55,187,000 | 55,053,000 |
| Total loans | 41,144,000 | 40,644,000 | 40,095,000 | 40,213,000 |
| Allowance for loan losses | 588,000 | 519,000 | 539,000 | 530,000 |
| Securities available for sale | 9,877,000 | 8,447,000 | 8,442,000 | 9,924,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,684,000 | 47,310,000 | 48,166,000 | 47,974,000 |
| Interest-bearing deposits | 43,663,000 | 43,266,000 | 43,631,000 | 43,777,000 |
| Noninterest-bearing deposits | 4,021,000 | 4,044,000 | 4,535,000 | 4,197,000 |
| Equity capital | 6,860,000 | 6,906,000 | 6,890,000 | 6,933,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 723,000 | 1,459,000 | 2,187,000 | 2,916,000 |
| Interest expense | 201,000 | 401,000 | 594,000 | 776,000 |
| Net interest income | 522,000 | 1,058,000 | 1,593,000 | 2,140,000 |
| Noninterest income | 29,000 | 32,000 | 65,000 | 90,000 |
| Noninterest expense | 498,000 | 998,000 | 1,488,000 | 1,972,000 |
| Provision for loan losses | 10,000 | 28,000 | 48,000 | 88,000 |
| Pretax income | 43,000 | 107,000 | 195,000 | 243,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 43,000 | 107,000 | 195,000 | 243,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,762,000 | 6,721,000 | 6,705,000 | 6,752,000 |
| Total capital | 7,281,000 | 7,236,000 | 7,216,000 | 7,267,000 |
| Risk-weighted assets | 41,448,000 | 41,166,000 | 40,822,000 | 41,149,000 |