Call reports 2004
CITIZENS NATIONAL BANK — 2004
What CITIZENS NATIONAL BANK 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 | 382,917,000 | 390,705,000 | 404,585,000 | 408,860,000 |
| Total loans | 282,967,000 | 292,717,000 | 311,434,000 | 317,594,000 |
| Allowance for loan losses | 3,502,000 | 3,577,000 | 3,752,000 | 3,868,000 |
| Securities available for sale | 70,815,000 | 70,808,000 | 68,962,000 | 62,738,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 333,875,000 | 337,872,000 | 338,725,000 | 349,269,000 |
| Interest-bearing deposits | 295,223,000 | 298,841,000 | 297,788,000 | 302,414,000 |
| Noninterest-bearing deposits | 38,652,000 | 39,031,000 | 40,937,000 | 46,855,000 |
| Equity capital | 34,482,000 | 34,175,000 | 35,736,000 | 37,155,000 |
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 | 5,180,000 | 10,429,000 | 15,952,000 | 21,638,000 |
| Interest expense | 1,527,000 | 3,018,000 | 4,605,000 | 6,311,000 |
| Net interest income | 3,653,000 | 7,411,000 | 11,347,000 | 15,327,000 |
| Noninterest income | 872,000 | 1,727,000 | 2,561,000 | 3,386,000 |
| Noninterest expense | 2,647,000 | 5,362,000 | 8,099,000 | 10,905,000 |
| Provision for loan losses | 180,000 | 360,000 | 510,000 | 660,000 |
| Pretax income | 1,698,000 | 3,476,000 | 5,359,000 | 7,208,000 |
| Income tax | 138,000 | 295,000 | 447,000 | 610,000 |
| Net income | 1,560,000 | 3,181,000 | 4,912,000 | 6,598,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,097,000 | 33,912,000 | 34,909,000 | 36,600,000 |
| Total capital | 36,599,000 | 37,489,000 | 38,661,000 | 40,468,000 |
| Risk-weighted assets | 294,574,000 | 308,209,000 | 320,996,000 | 335,939,000 |
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