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 | 857,122,000 | 849,639,000 | 820,990,000 | 826,034,000 |
| Total loans | 590,467,000 | 601,868,000 | 576,869,000 | 565,799,000 |
| Allowance for loan losses | 9,234,000 | 10,274,000 | 9,134,000 | 9,004,000 |
| Securities available for sale | 136,535,000 | 131,795,000 | 120,362,000 | 123,134,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 674,464,000 | 655,822,000 | 654,686,000 | 644,668,000 |
| Interest-bearing deposits | 612,470,000 | 592,900,000 | 590,849,000 | 576,881,000 |
| Noninterest-bearing deposits | 61,994,000 | 62,922,000 | 63,837,000 | 67,787,000 |
| Equity capital | 82,817,000 | 83,340,000 | 86,084,000 | 86,374,000 |
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 | 9,559,000 | 18,682,000 | 27,718,000 | 36,388,000 |
| Interest expense | 2,606,000 | 5,030,000 | 7,186,000 | 9,119,000 |
| Net interest income | 6,953,000 | 13,652,000 | 20,532,000 | 27,269,000 |
| Noninterest income | 665,000 | 1,604,000 | 3,487,000 | 3,946,000 |
| Noninterest expense | 4,907,000 | 9,830,000 | 14,955,000 | 19,939,000 |
| Provision for loan losses | 155,000 | 1,324,000 | 1,334,000 | 1,582,000 |
| Pretax income | 2,455,000 | 2,677,000 | 6,237,000 | 8,345,000 |
| Income tax | 145,000 | 165,000 | 387,000 | 521,000 |
| Net income | 2,310,000 | 2,512,000 | 5,850,000 | 7,824,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,906,000 | 78,899,000 | 81,029,000 | 81,886,000 |
| Total capital | 87,847,000 | 86,843,000 | 88,722,000 | 89,461,000 |
| Risk-weighted assets | 633,298,000 | 633,167,000 | 613,981,000 | 604,569,000 |