Call reports 2014
CITIZENS NATIONAL BANK — 2014
What CITIZENS NATIONAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 53,863,000 | 56,227,000 | 55,636,000 | 55,623,000 |
| Total loans | 45,238,000 | 45,889,000 | 46,259,000 | 43,862,000 |
| Allowance for loan losses | 630,000 | 641,000 | 661,000 | 661,000 |
| Securities available for sale | 6,035,000 | 6,108,000 | 5,439,000 | 4,984,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,373,000 | 49,584,000 | 48,999,000 | 48,836,000 |
| Interest-bearing deposits | 43,096,000 | 45,269,000 | 44,459,000 | 44,208,000 |
| Noninterest-bearing deposits | 4,276,000 | 4,315,000 | 4,540,000 | 4,628,000 |
| Equity capital | 6,375,000 | 6,496,000 | 6,538,000 | 6,685,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 734,000 | 1,476,000 | 2,246,000 | 2,992,000 |
| Interest expense | 126,000 | 251,000 | 375,000 | 495,000 |
| Net interest income | 608,000 | 1,225,000 | 1,871,000 | 2,497,000 |
| Noninterest income | 26,000 | 81,000 | 51,000 | 93,000 |
| Noninterest expense | 529,000 | 1,148,000 | 1,715,000 | 2,287,000 |
| Provision for loan losses | 19,000 | 30,000 | 50,000 | 50,000 |
| Pretax income | 87,000 | 129,000 | 194,000 | 290,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 87,000 | 129,000 | 194,000 | 290,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,504,000 | 6,546,000 | 6,612,000 | 6,708,000 |
| Total capital | 7,036,000 | 7,091,000 | 7,152,000 | 7,248,000 |
| Risk-weighted assets | 42,489,000 | 43,501,000 | 43,109,000 | 43,095,000 |