Call reports 2003
CITIZENS NATIONAL BANK OF CROSBYTON — 2003
What CITIZENS NATIONAL BANK OF CROSBYTON 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 | 30,196,000 | 30,248,000 | 28,798,000 | 30,866,000 |
| Total loans | 8,582,000 | 9,982,000 | 10,173,000 | 9,035,000 |
| Allowance for loan losses | 238,000 | 238,000 | 238,000 | 238,000 |
| Securities available for sale | 2,549,000 | 3,079,000 | 3,055,000 | 3,521,000 |
| Securities held to maturity | 19,000 | 19,000 | 19,000 | 19,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,984,000 | 26,027,000 | 24,521,000 | 26,553,000 |
| Interest-bearing deposits | 20,394,000 | 19,882,000 | 18,719,000 | 19,907,000 |
| Noninterest-bearing deposits | 5,590,000 | 6,145,000 | 5,802,000 | 6,646,000 |
| Equity capital | 4,093,000 | 4,133,000 | 4,192,000 | 4,242,000 |
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 | 297,000 | 569,000 | 851,000 | 1,124,000 |
| Interest expense | 95,000 | 182,000 | 259,000 | 328,000 |
| Net interest income | 202,000 | 387,000 | 592,000 | 796,000 |
| Noninterest income | 59,000 | 118,000 | 175,000 | 236,000 |
| Noninterest expense | 142,000 | 291,000 | 445,000 | 625,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 119,000 | 214,000 | 322,000 | 407,000 |
| Income tax | 40,000 | 71,000 | 109,000 | 138,000 |
| Net income | 79,000 | 143,000 | 213,000 | 269,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,064,000 | 4,105,000 | 4,173,000 | 4,230,000 |
| Total capital | 4,217,000 | 4,267,000 | 4,337,000 | 4,388,000 |
| Risk-weighted assets | 12,172,000 | 13,254,000 | 13,071,000 | 12,579,000 |