Call reports 2024
CITIZENS NATIONAL BANK — 2024
What CITIZENS NATIONAL BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 1,683,240,000 | 1,717,897,000 | 1,875,074,000 | 1,929,134,000 |
| Total loans | 1,171,669,000 | 1,201,064,000 | 1,203,862,000 | 1,232,727,000 |
| Allowance for loan losses | 13,365,000 | 13,617,000 | 13,619,000 | 13,616,000 |
| Securities available for sale | 361,916,000 | 360,490,000 | 410,625,000 | 447,980,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 401,000 | 299,000 | 654,000 | 215,000 |
| Total deposits | 1,426,758,000 | 1,453,615,000 | 1,689,466,000 | 1,754,568,000 |
| Interest-bearing deposits | 1,082,265,000 | 1,091,846,000 | 1,327,856,000 | 1,395,937,000 |
| Noninterest-bearing deposits | 344,493,000 | 361,769,000 | 361,610,000 | 358,631,000 |
| Equity capital | 140,429,000 | 142,054,000 | 159,900,000 | 149,776,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 20,957,000 | 42,025,000 | 64,487,000 | 88,342,000 |
| Interest expense | 8,866,000 | 17,635,000 | 27,197,000 | 36,776,000 |
| Net interest income | 12,091,000 | 24,390,000 | 37,290,000 | 51,566,000 |
| Noninterest income | 2,044,000 | 4,331,000 | 7,197,000 | 9,546,000 |
| Noninterest expense | 8,096,000 | 16,056,000 | 24,216,000 | 32,312,000 |
| Provision for loan losses | 300,000 | 600,000 | 630,000 | 660,000 |
| Pretax income | 5,334,000 | 11,630,000 | 19,203,000 | 27,699,000 |
| Income tax | 124,000 | 199,000 | 274,000 | 349,000 |
| Net income | 5,210,000 | 11,431,000 | 18,929,000 | 27,350,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 179,929,000 | 183,000,000 | 187,348,000 | 192,619,000 |
| Total capital | 194,159,000 | 197,511,000 | 201,865,000 | 207,136,000 |
| Risk-weighted assets | 1,336,702,000 | 1,353,400,000 | 1,345,805,000 | 1,399,261,000 |