Call reports 2004
CITIZENS NATIONAL BANK OF AKRON, THE — 2004
What CITIZENS NATIONAL BANK OF AKRON, THE 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 | 44,784,000 | 45,423,000 | 44,104,000 | 44,784,000 |
| Total loans | 23,162,000 | 21,982,000 | 22,573,000 | 22,953,000 |
| Allowance for loan losses | 381,000 | 380,000 | 386,000 | 388,000 |
| Securities available for sale | 18,919,000 | 21,315,000 | 18,766,000 | 19,510,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,803,000 | 33,983,000 | 33,449,000 | 34,317,000 |
| Interest-bearing deposits | 28,633,000 | 28,990,000 | 28,193,000 | 27,961,000 |
| Noninterest-bearing deposits | 5,170,000 | 4,993,000 | 5,256,000 | 6,356,000 |
| Equity capital | 8,131,000 | 7,860,000 | 7,923,000 | 7,802,000 |
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 | 562,000 | 1,092,000 | 1,609,000 | 2,122,000 |
| Interest expense | 176,000 | 349,000 | 522,000 | 692,000 |
| Net interest income | 386,000 | 743,000 | 1,087,000 | 1,430,000 |
| Noninterest income | 33,000 | 75,000 | 114,000 | 146,000 |
| Noninterest expense | 283,000 | 582,000 | 883,000 | 1,201,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 136,000 | 236,000 | 304,000 | 360,000 |
| Income tax | 30,000 | 43,000 | 46,000 | 40,000 |
| Net income | 106,000 | 193,000 | 258,000 | 320,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,842,000 | 7,829,000 | 7,794,000 | 7,756,000 |
| Total capital | 8,201,000 | 8,179,000 | 8,143,000 | 8,109,000 |
| Risk-weighted assets | 28,698,000 | 27,980,000 | 28,244,000 | 28,241,000 |