Call reports 2002
CITIZENS NATIONAL BANK OF CROSBYTON — 2002
What CITIZENS NATIONAL BANK OF CROSBYTON reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 30,137,000 | 29,083,000 | 30,037,000 | 31,177,000 |
| Total loans | 8,700,000 | 10,598,000 | 12,060,000 | 11,287,000 |
| Allowance for loan losses | 238,000 | 238,000 | 238,000 | 238,000 |
| Securities available for sale | 4,090,000 | 4,705,000 | 4,929,000 | 4,059,000 |
| Securities held to maturity | 27,000 | 23,000 | 20,000 | 20,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,031,000 | 24,975,000 | 25,861,000 | 26,972,000 |
| Interest-bearing deposits | 21,278,000 | 20,480,000 | 21,272,000 | 21,081,000 |
| Noninterest-bearing deposits | 4,753,000 | 4,495,000 | 4,589,000 | 5,891,000 |
| Equity capital | 3,952,000 | 3,974,000 | 4,043,000 | 4,111,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 374,000 | 714,000 | 1,063,000 | 1,402,000 |
| Interest expense | 130,000 | 242,000 | 351,000 | 459,000 |
| Net interest income | 244,000 | 472,000 | 712,000 | 943,000 |
| Noninterest income | 58,000 | 113,000 | 166,000 | 224,000 |
| Noninterest expense | 152,000 | 303,000 | 456,000 | 633,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 150,000 | 282,000 | 422,000 | 534,000 |
| Income tax | 42,000 | 86,000 | 133,000 | 171,000 |
| Net income | 108,000 | 196,000 | 289,000 | 363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,932,000 | 3,940,000 | 4,002,000 | 4,077,000 |
| Total capital | 4,088,000 | 4,111,000 | 4,191,000 | 4,262,000 |
| Risk-weighted assets | 12,323,000 | 13,635,000 | 15,046,000 | 14,656,000 |