Call reports 2015
CITIZENS NATIONAL BANK — 2015
What CITIZENS NATIONAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 55,683,000 | 55,346,000 | 54,845,000 | 54,927,000 |
| Total loans | 44,527,000 | 43,964,000 | 40,972,000 | 40,343,000 |
| Allowance for loan losses | 675,000 | 692,000 | 676,000 | 648,000 |
| Securities available for sale | 4,772,000 | 4,694,000 | 4,732,000 | 5,184,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,743,000 | 48,374,000 | 47,831,000 | 47,901,000 |
| Interest-bearing deposits | 43,955,000 | 42,845,000 | 42,577,000 | 42,756,000 |
| Noninterest-bearing deposits | 4,788,000 | 5,529,000 | 5,254,000 | 5,145,000 |
| Equity capital | 6,834,000 | 6,822,000 | 6,908,000 | 6,921,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 721,000 | 1,466,000 | 2,154,000 | 2,838,000 |
| Interest expense | 114,000 | 226,000 | 332,000 | 436,000 |
| Net interest income | 607,000 | 1,240,000 | 1,822,000 | 2,402,000 |
| Noninterest income | 24,000 | 45,000 | 70,000 | 100,000 |
| Noninterest expense | 564,000 | 1,144,000 | 1,713,000 | 2,301,000 |
| Provision for loan losses | 14,000 | 31,000 | 31,000 | 0 |
| Pretax income | 63,000 | 120,000 | 158,000 | 229,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 63,000 | 120,000 | 158,000 | 229,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,771,000 | 6,828,000 | 6,866,000 | 6,937,000 |
| Total capital | 7,319,000 | 7,373,000 | 7,376,000 | 7,448,000 |
| Risk-weighted assets | 43,750,000 | 43,492,000 | 40,654,000 | 40,749,000 |