Call reports 2005
CITIZENS NATIONAL BANK OF PARIS, THE — 2005
What CITIZENS NATIONAL BANK OF PARIS, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 205,143,000 | 204,905,000 | 203,902,000 | 206,181,000 |
| Total loans | 120,521,000 | 118,006,000 | 118,281,000 | 121,979,000 |
| Allowance for loan losses | 1,230,000 | 1,183,000 | 1,183,000 | 1,235,000 |
| Securities available for sale | 71,247,000 | 69,341,000 | 68,216,000 | 66,773,000 |
| Securities held to maturity | 58,000 | 68,000 | 68,000 | 35,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,708,000 | 140,433,000 | 140,826,000 | 142,285,000 |
| Interest-bearing deposits | 132,414,000 | 129,457,000 | 129,372,000 | 128,496,000 |
| Noninterest-bearing deposits | 12,294,000 | 10,976,000 | 11,454,000 | 13,789,000 |
| Equity capital | 18,137,000 | 18,640,000 | 18,667,000 | 18,147,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,481,000 | 5,085,000 | 7,754,000 | 10,461,000 |
| Interest expense | 1,093,000 | 2,245,000 | 3,498,000 | 4,816,000 |
| Net interest income | 1,388,000 | 2,840,000 | 4,256,000 | 5,645,000 |
| Noninterest income | 419,000 | 817,000 | 1,234,000 | 1,584,000 |
| Noninterest expense | 1,299,000 | 2,573,000 | 3,889,000 | 5,200,000 |
| Provision for loan losses | 0 | 106,000 | 118,000 | 162,000 |
| Pretax income | 503,000 | 948,000 | 1,440,000 | 1,817,000 |
| Income tax | 131,000 | 242,000 | 358,000 | 435,000 |
| Net income | 372,000 | 706,000 | 1,082,000 | 1,382,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,069,000 | 18,206,000 | 18,585,000 | 18,337,000 |
| Total capital | 19,299,000 | 19,389,000 | 19,768,000 | 19,572,000 |
| Risk-weighted assets | 138,103,000 | 139,710,000 | 141,648,000 | 145,268,000 |