Call reports 2013
CITIZENS NATIONAL BANK — 2013
What CITIZENS NATIONAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 57,560,000 | 57,213,000 | 56,711,000 | 54,225,000 |
| Total loans | 42,197,000 | 41,912,000 | 43,795,000 | 42,959,000 |
| Allowance for loan losses | 582,000 | 600,000 | 607,000 | 801,000 |
| Securities available for sale | 7,694,000 | 7,963,000 | 7,513,000 | 7,453,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,524,000 | 50,355,000 | 49,936,000 | 47,917,000 |
| Interest-bearing deposits | 45,463,000 | 45,869,000 | 45,469,000 | 43,921,000 |
| Noninterest-bearing deposits | 5,061,000 | 4,486,000 | 4,467,000 | 3,996,000 |
| Equity capital | 6,912,000 | 6,705,000 | 6,640,000 | 6,190,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 707,000 | 1,435,000 | 2,175,000 | 2,895,000 |
| Interest expense | 174,000 | 344,000 | 498,000 | 638,000 |
| Net interest income | 533,000 | 1,091,000 | 1,677,000 | 2,257,000 |
| Noninterest income | 30,000 | 58,000 | -10,000 | -63,000 |
| Noninterest expense | 491,000 | 997,000 | 1,523,000 | 2,114,000 |
| Provision for loan losses | 124,000 | 151,000 | 158,000 | 491,000 |
| Pretax income | -52,000 | 78,000 | 63,000 | -334,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -52,000 | 78,000 | 63,000 | -334,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,700,000 | 6,830,000 | 6,815,000 | 6,418,000 |
| Total capital | 7,228,000 | 7,345,000 | 7,341,000 | 6,930,000 |
| Risk-weighted assets | 42,205,000 | 41,149,000 | 42,007,000 | 40,675,000 |