Call reports 2004
CITIZENS NATIONAL BANK OF CROSBYTON — 2004
What CITIZENS NATIONAL BANK OF CROSBYTON 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 | 29,802,000 | 28,567,000 | 28,745,000 | 30,600,000 |
| Total loans | 8,933,000 | 10,684,000 | 12,888,000 | 11,436,000 |
| Allowance for loan losses | 238,000 | 237,000 | 236,000 | 236,000 |
| Securities available for sale | 4,522,000 | 3,456,000 | 3,481,000 | 1,986,000 |
| Securities held to maturity | 18,000 | 18,000 | 17,000 | 18,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,481,000 | 24,268,000 | 24,364,000 | 26,166,000 |
| Interest-bearing deposits | 18,843,000 | 18,588,000 | 19,152,000 | 19,736,000 |
| Noninterest-bearing deposits | 6,638,000 | 5,680,000 | 5,212,000 | 6,430,000 |
| Equity capital | 4,230,000 | 4,225,000 | 4,302,000 | 4,373,000 |
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 | 257,000 | 502,000 | 777,000 | 1,078,000 |
| Interest expense | 65,000 | 126,000 | 189,000 | 255,000 |
| Net interest income | 192,000 | 376,000 | 588,000 | 823,000 |
| Noninterest income | 61,000 | 120,000 | 173,000 | 236,000 |
| Noninterest expense | 153,000 | 301,000 | 448,000 | 625,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 100,000 | 195,000 | 313,000 | 434,000 |
| Income tax | 34,000 | 66,000 | 106,000 | 147,000 |
| Net income | 66,000 | 129,000 | 207,000 | 287,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,221,000 | 4,249,000 | 4,302,000 | 4,364,000 |
| Total capital | 4,375,000 | 4,417,000 | 4,493,000 | 4,545,000 |
| Risk-weighted assets | 12,230,000 | 13,399,000 | 15,245,000 | 14,415,000 |