Call reports 2003
CITIZENS NATIONAL BANK — 2003
What CITIZENS NATIONAL BANK 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 | 355,488,000 | 360,550,000 | 364,484,000 | 375,958,000 |
| Total loans | 261,590,000 | 273,498,000 | 272,259,000 | 280,427,000 |
| Allowance for loan losses | 3,194,000 | 3,243,000 | 3,201,000 | 3,331,000 |
| Securities available for sale | 60,128,000 | 62,588,000 | 64,579,000 | 68,799,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 312,699,000 | 311,653,000 | 317,469,000 | 327,543,000 |
| Interest-bearing deposits | 278,933,000 | 280,078,000 | 281,769,000 | 291,665,000 |
| Noninterest-bearing deposits | 33,766,000 | 31,575,000 | 35,700,000 | 35,878,000 |
| Equity capital | 31,479,000 | 33,035,000 | 34,044,000 | 33,335,000 |
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 | 5,473,000 | 10,885,000 | 16,227,000 | 21,468,000 |
| Interest expense | 1,850,000 | 3,624,000 | 5,320,000 | 6,890,000 |
| Net interest income | 3,623,000 | 7,261,000 | 10,907,000 | 14,578,000 |
| Noninterest income | 671,000 | 1,342,000 | 2,121,000 | 2,843,000 |
| Noninterest expense | 2,471,000 | 4,973,000 | 7,544,000 | 10,227,000 |
| Provision for loan losses | 180,000 | 360,000 | 540,000 | 720,000 |
| Pretax income | 1,643,000 | 3,270,000 | 4,944,000 | 6,474,000 |
| Income tax | 125,000 | 264,000 | 389,000 | 439,000 |
| Net income | 1,518,000 | 3,006,000 | 4,555,000 | 6,035,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,130,000 | 31,392,000 | 32,947,000 | 32,226,000 |
| Total capital | 33,324,000 | 34,635,000 | 36,148,000 | 35,557,000 |
| Risk-weighted assets | 262,640,000 | 281,886,000 | 282,929,000 | 289,752,000 |
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