Call reports 2023
CITIZENS NATIONAL BANK — 2023
What CITIZENS NATIONAL BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,609,158,000 | 1,642,482,000 | 1,673,328,000 | 1,809,802,000 |
| Total loans | 1,052,278,000 | 1,102,808,000 | 1,133,053,000 | 1,148,974,000 |
| Allowance for loan losses | 11,573,000 | 12,453,000 | 12,615,000 | 13,092,000 |
| Securities available for sale | 413,286,000 | 388,597,000 | 366,824,000 | 372,525,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 175,000 | 615,000 |
| Total deposits | 1,365,114,000 | 1,400,171,000 | 1,438,895,000 | 1,479,501,000 |
| Interest-bearing deposits | 997,860,000 | 1,027,269,000 | 1,069,385,000 | 1,101,234,000 |
| Noninterest-bearing deposits | 367,254,000 | 372,902,000 | 369,510,000 | 378,267,000 |
| Equity capital | 130,677,000 | 127,852,000 | 117,501,000 | 142,350,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 16,162,000 | 33,732,000 | 53,230,000 | 73,424,000 |
| Interest expense | 4,183,000 | 9,940,000 | 16,685,000 | 24,692,000 |
| Net interest income | 11,979,000 | 23,792,000 | 36,545,000 | 48,732,000 |
| Noninterest income | 1,872,000 | 3,823,000 | 6,666,000 | 8,523,000 |
| Noninterest expense | 7,837,000 | 14,982,000 | 23,163,000 | 29,957,000 |
| Provision for loan losses | 175,000 | 355,000 | 535,000 | 106,000 |
| Pretax income | 5,839,000 | 12,278,000 | 19,513,000 | 26,523,000 |
| Income tax | 91,000 | 228,000 | 410,000 | 485,000 |
| Net income | 5,748,000 | 12,050,000 | 19,103,000 | 26,038,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 166,714,000 | 170,321,000 | 174,679,000 | 178,919,000 |
| Total capital | 180,112,000 | 183,911,000 | 188,446,000 | 192,847,000 |
| Risk-weighted assets | 1,260,445,000 | 1,291,493,000 | 1,324,931,000 | 1,318,546,000 |