Call reports 2020
CITIZENS NATIONAL BANK — 2020
What CITIZENS NATIONAL BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 1,111,026,000 | 1,272,252,000 | 1,223,357,000 | 1,281,440,000 |
| Total loans | 851,013,000 | 930,724,000 | 915,553,000 | 920,639,000 |
| Allowance for loan losses | 10,936,000 | 10,849,000 | 11,152,000 | 11,440,000 |
| Securities available for sale | 141,713,000 | 133,537,000 | 119,689,000 | 110,058,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 966,283,000 | 1,120,154,000 | 1,068,748,000 | 1,126,816,000 |
| Interest-bearing deposits | 802,346,000 | 870,223,000 | 804,620,000 | 847,813,000 |
| Noninterest-bearing deposits | 163,937,000 | 249,931,000 | 264,128,000 | 279,003,000 |
| Equity capital | 133,405,000 | 135,375,000 | 137,603,000 | 140,732,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 12,130,000 | 24,037,000 | 36,065,000 | 48,427,000 |
| Interest expense | 1,888,000 | 3,370,000 | 4,658,000 | 5,824,000 |
| Net interest income | 10,242,000 | 20,667,000 | 31,407,000 | 42,603,000 |
| Noninterest income | 1,451,000 | 2,787,000 | 4,499,000 | 6,167,000 |
| Noninterest expense | 6,376,000 | 12,760,000 | 19,147,000 | 25,808,000 |
| Provision for loan losses | 178,000 | 496,000 | 813,000 | 1,131,000 |
| Pretax income | 5,139,000 | 10,201,000 | 15,949,000 | 21,836,000 |
| Income tax | 60,000 | 114,000 | 311,000 | 65,000 |
| Net income | 5,079,000 | 10,087,000 | 15,638,000 | 21,771,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 128,234,000 | 130,442,000 | 133,192,000 | 136,526,000 |
| Total capital | 139,226,000 | 141,347,000 | 144,388,000 | 148,022,000 |
| Risk-weighted assets | 893,129,000 | 898,457,000 | 895,684,000 | 921,690,000 |