Call reports 2002
CITIZENS NATIONAL BANK OF ALBION — 2002
What CITIZENS NATIONAL BANK OF ALBION reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 142,597,000 | 144,043,000 | 149,461,000 | 147,598,000 |
| Total loans | 65,172,000 | 72,120,000 | 74,828,000 | 76,333,000 |
| Allowance for loan losses | 1,000,000 | 995,000 | 1,017,000 | 1,053,000 |
| Securities available for sale | 59,129,000 | 59,057,000 | 58,431,000 | 56,357,000 |
| Securities held to maturity | 1,844,000 | 1,844,000 | 1,844,000 | 1,644,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,359,000 | 112,677,000 | 115,895,000 | 114,369,000 |
| Interest-bearing deposits | 104,893,000 | 105,174,000 | 108,005,000 | 104,347,000 |
| Noninterest-bearing deposits | 6,466,000 | 7,503,000 | 7,890,000 | 10,022,000 |
| Equity capital | 24,973,000 | 25,878,000 | 26,912,000 | 26,820,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,073,000 | 4,167,000 | 6,296,000 | 8,336,000 |
| Interest expense | 941,000 | 1,842,000 | 2,712,000 | 3,477,000 |
| Net interest income | 1,132,000 | 2,325,000 | 3,584,000 | 4,859,000 |
| Noninterest income | 57,000 | 121,000 | 217,000 | 286,000 |
| Noninterest expense | 637,000 | 1,277,000 | 1,953,000 | 2,799,000 |
| Provision for loan losses | 0 | 0 | 30,000 | 60,000 |
| Pretax income | 614,000 | 1,231,000 | 1,968,000 | 2,439,000 |
| Income tax | 143,000 | 310,000 | 511,000 | 628,000 |
| Net income | 471,000 | 921,000 | 1,457,000 | 1,811,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,514,000 | 24,804,000 | 25,340,000 | 25,454,000 |
| Total capital | 25,450,000 | 25,799,000 | 26,357,000 | 26,506,000 |
| Risk-weighted assets | 74,976,000 | 79,853,000 | 83,394,000 | 84,149,000 |
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