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 | 855,646,000 | 823,683,000 | 821,759,000 | 850,221,000 |
| Total loans | 574,348,000 | 577,566,000 | 582,704,000 | 585,791,000 |
| Allowance for loan losses | 9,256,000 | 9,068,000 | 8,465,000 | 7,616,000 |
| Securities available for sale | 133,697,000 | 130,363,000 | 131,804,000 | 143,394,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 677,539,000 | 658,051,000 | 655,825,000 | 675,594,000 |
| Interest-bearing deposits | 607,474,000 | 587,895,000 | 579,628,000 | 597,248,000 |
| Noninterest-bearing deposits | 70,065,000 | 70,155,000 | 76,197,000 | 78,345,000 |
| Equity capital | 88,630,000 | 86,718,000 | 87,370,000 | 86,289,000 |
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 | 8,308,000 | 16,980,000 | 25,597,000 | 34,340,000 |
| Interest expense | 1,830,000 | 3,471,000 | 4,930,000 | 6,302,000 |
| Net interest income | 6,478,000 | 13,509,000 | 20,667,000 | 28,038,000 |
| Noninterest income | 269,000 | 1,254,000 | 1,887,000 | 1,415,000 |
| Noninterest expense | 4,742,000 | 9,802,000 | 14,722,000 | 19,975,000 |
| Provision for loan losses | 89,000 | 178,000 | 267,000 | 458,000 |
| Pretax income | 1,894,000 | 4,876,000 | 7,658,000 | 9,113,000 |
| Income tax | 122,000 | 311,000 | 487,000 | 588,000 |
| Net income | 1,772,000 | 4,565,000 | 7,171,000 | 8,525,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 84,690,000 | 86,116,000 | 87,323,000 | 87,486,000 |
| Total capital | 92,431,000 | 93,864,000 | 95,028,000 | 95,129,000 |
| Risk-weighted assets | 617,757,000 | 618,476,000 | 615,643,000 | 635,020,000 |