Call reports 2003
CITIZENS NATIONAL BANK OF ALBION — 2003
What CITIZENS NATIONAL BANK OF ALBION reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 151,272,000 | 152,106,000 | 151,737,000 | 164,233,000 |
| Total loans | 78,139,000 | 79,887,000 | 85,145,000 | 96,441,000 |
| Allowance for loan losses | 1,071,000 | 1,084,000 | 1,102,000 | 1,205,000 |
| Securities available for sale | 53,224,000 | 51,337,000 | 51,197,000 | 51,522,000 |
| Securities held to maturity | 1,644,000 | 1,644,000 | 1,645,000 | 1,645,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,555,000 | 114,068,000 | 116,050,000 | 128,470,000 |
| Interest-bearing deposits | 107,204,000 | 102,315,000 | 104,581,000 | 111,805,000 |
| Noninterest-bearing deposits | 9,351,000 | 11,753,000 | 11,469,000 | 16,665,000 |
| Equity capital | 27,405,000 | 27,794,000 | 27,869,000 | 28,006,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,963,000 | 3,916,000 | 5,880,000 | 7,905,000 |
| Interest expense | 665,000 | 1,277,000 | 1,826,000 | 2,350,000 |
| Net interest income | 1,298,000 | 2,639,000 | 4,054,000 | 5,555,000 |
| Noninterest income | 78,000 | 152,000 | 233,000 | 322,000 |
| Noninterest expense | 657,000 | 1,319,000 | 2,017,000 | 2,989,000 |
| Provision for loan losses | 0 | 30,000 | 60,000 | 190,000 |
| Pretax income | 719,000 | 1,485,000 | 2,253,000 | 2,740,000 |
| Income tax | 192,000 | 401,000 | 611,000 | 713,000 |
| Net income | 527,000 | 1,084,000 | 1,642,000 | 2,027,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,980,000 | 26,337,000 | 26,895,000 | 26,091,000 |
| Total capital | 27,051,000 | 27,421,000 | 27,997,000 | 27,296,000 |
| Risk-weighted assets | 86,144,000 | 87,600,000 | 91,950,000 | 101,489,000 |
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