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 | 881,863,000 | 857,325,000 | 842,887,000 | 861,978,000 |
| Total loans | 608,821,000 | 616,300,000 | 603,162,000 | 606,987,000 |
| Allowance for loan losses | 7,751,000 | 9,249,000 | 9,321,000 | 9,285,000 |
| Securities available for sale | 151,230,000 | 149,060,000 | 143,409,000 | 141,309,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 686,870,000 | 670,377,000 | 665,310,000 | 682,562,000 |
| Interest-bearing deposits | 600,267,000 | 586,289,000 | 573,740,000 | 590,958,000 |
| Noninterest-bearing deposits | 86,604,000 | 84,088,000 | 91,570,000 | 91,604,000 |
| Equity capital | 89,032,000 | 90,373,000 | 91,302,000 | 92,849,000 |
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 | 8,676,000 | 17,648,000 | 26,518,000 | 35,336,000 |
| Interest expense | 1,311,000 | 2,577,000 | 3,708,000 | 4,980,000 |
| Net interest income | 7,365,000 | 15,071,000 | 22,810,000 | 30,356,000 |
| Noninterest income | 817,000 | 1,368,000 | 1,817,000 | 2,272,000 |
| Noninterest expense | 4,909,000 | 9,920,000 | 15,066,000 | 21,071,000 |
| Provision for loan losses | 155,000 | 1,651,000 | 1,666,000 | 1,685,000 |
| Pretax income | 3,103,000 | 4,636,000 | 7,871,000 | 9,787,000 |
| Income tax | 189,000 | 283,000 | 476,000 | 405,000 |
| Net income | 2,914,000 | 4,353,000 | 7,395,000 | 9,382,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 88,894,000 | 88,761,000 | 90,226,000 | 91,233,000 |
| Total capital | 96,673,000 | 96,939,000 | 98,270,000 | 99,389,000 |
| Risk-weighted assets | 645,760,000 | 653,112,000 | 642,238,000 | 651,346,000 |