Call reports 2004
CITIZENS NATIONAL BANK OF ALBION — 2004
What CITIZENS NATIONAL BANK OF ALBION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 161,082,000 | 160,669,000 | 164,289,000 | 168,261,000 |
| Total loans | 99,009,000 | 104,610,000 | 105,842,000 | 102,681,000 |
| Allowance for loan losses | 1,225,000 | 1,315,000 | 1,376,000 | 1,319,000 |
| Securities available for sale | 50,108,000 | 47,501,000 | 45,216,000 | 45,634,000 |
| Securities held to maturity | 1,645,000 | 1,645,000 | 1,600,000 | 1,436,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,587,000 | 119,066,000 | 121,652,000 | 125,948,000 |
| Interest-bearing deposits | 111,229,000 | 107,386,000 | 107,668,000 | 110,371,000 |
| Noninterest-bearing deposits | 12,358,000 | 11,680,000 | 13,984,000 | 15,577,000 |
| Equity capital | 28,672,000 | 28,294,000 | 29,338,000 | 29,298,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,127,000 | 4,267,000 | 6,421,000 | 8,579,000 |
| Interest expense | 545,000 | 1,082,000 | 1,645,000 | 2,275,000 |
| Net interest income | 1,582,000 | 3,185,000 | 4,776,000 | 6,304,000 |
| Noninterest income | 83,000 | 239,000 | 348,000 | 449,000 |
| Noninterest expense | 790,000 | 1,621,000 | 2,456,000 | 3,546,000 |
| Provision for loan losses | 45,000 | 120,000 | 195,000 | 270,000 |
| Pretax income | 830,000 | 1,683,000 | 2,502,000 | 2,970,000 |
| Income tax | 232,000 | 466,000 | 689,000 | 756,000 |
| Net income | 598,000 | 1,217,000 | 1,813,000 | 2,214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,700,000 | 27,093,000 | 27,702,000 | 27,798,000 |
| Total capital | 27,925,000 | 28,408,000 | 29,066,000 | 29,117,000 |
| Risk-weighted assets | 102,681,000 | 107,640,000 | 108,335,000 | 106,892,000 |
Machine access — free, no API key
Every figure shown here about CITIZENS NATIONAL BANK OF ALBION — 2004 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.