Call reports 2003
CITIZENS NATIONAL BANK OF AKRON, THE — 2003
What CITIZENS NATIONAL BANK OF AKRON, THE 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 | 47,476,000 | 48,052,000 | 48,230,000 | 47,119,000 |
| Total loans | 24,385,000 | 24,831,000 | 25,334,000 | 24,509,000 |
| Allowance for loan losses | 455,000 | 386,000 | 376,000 | 378,000 |
| Securities available for sale | 20,106,000 | 20,522,000 | 20,302,000 | 19,779,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,587,000 | 37,079,000 | 37,387,000 | 36,426,000 |
| Interest-bearing deposits | 31,712,000 | 32,477,000 | 32,648,000 | 30,362,000 |
| Noninterest-bearing deposits | 4,875,000 | 4,602,000 | 4,739,000 | 6,064,000 |
| Equity capital | 8,121,000 | 8,253,000 | 8,137,000 | 8,087,000 |
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 | 600,000 | 1,201,000 | 1,808,000 | 2,396,000 |
| Interest expense | 201,000 | 402,000 | 596,000 | 779,000 |
| Net interest income | 399,000 | 799,000 | 1,212,000 | 1,617,000 |
| Noninterest income | 37,000 | 73,000 | 109,000 | 146,000 |
| Noninterest expense | 272,000 | 586,000 | 881,000 | 1,218,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 164,000 | 286,000 | 440,000 | 545,000 |
| Income tax | 30,000 | 28,000 | 53,000 | 66,000 |
| Net income | 134,000 | 258,000 | 387,000 | 479,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,791,000 | 7,815,000 | 7,844,000 | 7,836,000 |
| Total capital | 8,165,000 | 8,196,000 | 8,220,000 | 8,214,000 |
| Risk-weighted assets | 30,107,000 | 30,608,000 | 31,281,000 | 30,408,000 |