Call reports 2016
CITIZENS NATIONAL BANK — 2016
What CITIZENS NATIONAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 53,803,000 | 52,940,000 | 51,982,000 | 50,826,000 |
| Total loans | 40,623,000 | 40,729,000 | 41,535,000 | 39,385,000 |
| Allowance for loan losses | 658,000 | 658,000 | 660,000 | 657,000 |
| Securities available for sale | 5,240,000 | 4,820,000 | 5,239,000 | 4,097,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,633,000 | 45,655,000 | 44,697,000 | 42,873,000 |
| Interest-bearing deposits | 41,364,000 | 40,466,000 | 39,735,000 | 38,007,000 |
| Noninterest-bearing deposits | 5,269,000 | 5,189,000 | 4,962,000 | 4,865,000 |
| Equity capital | 7,030,000 | 7,137,000 | 7,165,000 | 7,830,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 680,000 | 1,358,000 | 2,021,000 | 2,669,000 |
| Interest expense | 100,000 | 197,000 | 290,000 | 380,000 |
| Net interest income | 580,000 | 1,161,000 | 1,731,000 | 2,289,000 |
| Noninterest income | 18,000 | 45,000 | 65,000 | 65,000 |
| Noninterest expense | 556,000 | 1,142,000 | 1,688,000 | 2,243,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 42,000 | 64,000 | 142,000 | 145,000 |
| Income tax | 0 | 0 | 0 | -778,000 |
| Net income | 42,000 | 64,000 | 142,000 | 923,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,978,000 | 7,001,000 | 7,079,000 | 7,494,000 |
| Total capital | 7,490,000 | 7,519,000 | 7,613,000 | 8,005,000 |
| Risk-weighted assets | 40,788,000 | 41,316,000 | 42,623,000 | 40,507,000 |