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 | 939,044,000 | 930,018,000 | 927,610,000 | 972,261,000 |
| Total loans | 666,332,000 | 675,682,000 | 683,140,000 | 689,829,000 |
| Allowance for loan losses | 9,835,000 | 10,000,000 | 10,005,000 | 10,148,000 |
| Securities available for sale | 150,851,000 | 144,279,000 | 140,031,000 | 146,702,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 734,785,000 | 734,496,000 | 762,222,000 | 817,697,000 |
| Interest-bearing deposits | 620,419,000 | 619,041,000 | 636,386,000 | 676,559,000 |
| Noninterest-bearing deposits | 114,366,000 | 115,455,000 | 125,836,000 | 141,138,000 |
| Equity capital | 98,191,000 | 99,517,000 | 100,786,000 | 99,909,000 |
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 | 8,943,000 | 18,360,000 | 27,895,000 | 37,563,000 |
| Interest expense | 1,126,000 | 2,213,000 | 3,270,000 | 4,324,000 |
| Net interest income | 7,817,000 | 16,147,000 | 24,625,000 | 33,239,000 |
| Noninterest income | 1,267,000 | 1,840,000 | 3,128,000 | 4,431,000 |
| Noninterest expense | 5,869,000 | 11,757,000 | 17,487,000 | 23,583,000 |
| Provision for loan losses | 165,000 | 324,000 | 485,000 | 645,000 |
| Pretax income | 3,050,000 | 5,906,000 | 9,781,000 | 13,312,000 |
| Income tax | 16,000 | 16,000 | 16,000 | 16,000 |
| Net income | 3,034,000 | 5,890,000 | 9,765,000 | 13,296,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 94,673,000 | 95,429,000 | 97,344,000 | 99,055,000 |
| Total capital | 103,901,000 | 104,860,000 | 106,645,000 | 108,572,000 |
| Risk-weighted assets | 737,574,000 | 753,816,000 | 743,327,000 | 760,625,000 |