Call reports 2005
CITIZENS NATIONAL BANK OF CROSBYTON — 2005
What CITIZENS NATIONAL BANK OF CROSBYTON 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 | 33,313,000 | 32,834,000 | 32,836,000 | 33,503,000 |
| Total loans | 8,974,000 | 9,669,000 | 11,796,000 | 10,560,000 |
| Allowance for loan losses | 236,000 | 235,000 | 235,000 | 234,000 |
| Securities available for sale | 1,962,000 | 1,969,000 | 1,965,000 | 2,950,000 |
| Securities held to maturity | 17,000 | 17,000 | 17,000 | 17,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,961,000 | 28,352,000 | 28,187,000 | 28,750,000 |
| Interest-bearing deposits | 23,420,000 | 22,992,000 | 20,489,000 | 19,961,000 |
| Noninterest-bearing deposits | 5,541,000 | 5,360,000 | 7,698,000 | 8,789,000 |
| Equity capital | 4,291,000 | 4,397,000 | 4,540,000 | 4,639,000 |
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 | 310,000 | 642,000 | 1,021,000 | 1,443,000 |
| Interest expense | 85,000 | 191,000 | 319,000 | 462,000 |
| Net interest income | 225,000 | 451,000 | 702,000 | 981,000 |
| Noninterest income | 52,000 | 105,000 | 157,000 | 203,000 |
| Noninterest expense | 220,000 | 375,000 | 531,000 | 716,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 57,000 | 181,000 | 328,000 | 468,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 57,000 | 181,000 | 328,000 | 468,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,329,000 | 4,419,000 | 4,540,000 | 4,594,000 |
| Total capital | 4,490,000 | 4,588,000 | 4,727,000 | 4,769,000 |
| Risk-weighted assets | 12,773,000 | 13,432,000 | 14,940,000 | 13,998,000 |