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 | 895,725,000 | 884,922,000 | 877,862,000 | 902,035,000 |
| Total loans | 614,369,000 | 633,035,000 | 629,673,000 | 638,802,000 |
| Allowance for loan losses | 9,404,000 | 9,564,000 | 9,771,000 | 9,804,000 |
| Securities available for sale | 141,350,000 | 146,281,000 | 146,392,000 | 153,076,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 713,376,000 | 697,466,000 | 704,742,000 | 724,195,000 |
| Interest-bearing deposits | 624,976,000 | 590,086,000 | 596,301,000 | 618,782,000 |
| Noninterest-bearing deposits | 88,400,000 | 107,380,000 | 108,441,000 | 105,413,000 |
| Equity capital | 94,815,000 | 94,475,000 | 95,152,000 | 95,468,000 |
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 | 8,712,000 | 17,954,000 | 26,943,000 | 36,395,000 |
| Interest expense | 1,185,000 | 2,285,000 | 3,413,000 | 4,527,000 |
| Net interest income | 7,527,000 | 15,669,000 | 23,530,000 | 31,868,000 |
| Noninterest income | 1,325,000 | 2,469,000 | 2,040,000 | 3,098,000 |
| Noninterest expense | 5,440,000 | 10,924,000 | 16,738,000 | 22,733,000 |
| Provision for loan losses | 155,000 | 317,000 | 482,000 | 498,000 |
| Pretax income | 2,402,000 | 6,042,000 | 7,495,000 | 10,880,000 |
| Income tax | 103,000 | 286,000 | 334,000 | 359,000 |
| Net income | 2,299,000 | 5,756,000 | 7,161,000 | 10,521,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 91,573,000 | 92,475,000 | 92,130,000 | 93,739,000 |
| Total capital | 100,138,000 | 101,335,000 | 101,058,000 | 102,825,000 |
| Risk-weighted assets | 684,418,000 | 708,086,000 | 713,295,000 | 726,098,000 |