Call reports 2001
CITIZENS NATIONAL BANK, THE — 2001
What CITIZENS NATIONAL BANK, THE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 132,412,000 | 129,754,000 | 128,368,000 | 132,319,000 |
| Total loans | 70,542,000 | 71,108,000 | 71,166,000 | 68,260,000 |
| Allowance for loan losses | 913,000 | 811,000 | 837,000 | 849,000 |
| Securities available for sale | 50,157,000 | 49,503,000 | 48,105,000 | 47,273,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,195,000 | 116,856,000 | 115,094,000 | 119,837,000 |
| Interest-bearing deposits | 106,527,000 | 103,569,000 | 101,550,000 | 104,834,000 |
| Noninterest-bearing deposits | 12,668,000 | 13,287,000 | 13,544,000 | 15,003,000 |
| Equity capital | 10,182,000 | 10,080,000 | 10,373,000 | 9,996,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,516,000 | 4,974,000 | 7,334,000 | 9,625,000 |
| Interest expense | 1,227,000 | 2,367,000 | 3,431,000 | 4,389,000 |
| Net interest income | 1,289,000 | 2,607,000 | 3,903,000 | 5,236,000 |
| Noninterest income | 293,000 | 633,000 | 908,000 | 1,196,000 |
| Noninterest expense | 1,085,000 | 2,243,000 | 3,421,000 | 4,618,000 |
| Provision for loan losses | 54,000 | 108,000 | 222,000 | 342,000 |
| Pretax income | 443,000 | 922,000 | 1,200,000 | 1,527,000 |
| Income tax | 134,000 | 273,000 | 337,000 | 421,000 |
| Net income | 309,000 | 649,000 | 863,000 | 1,106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,616,000 | 9,636,000 | 9,631,000 | 9,645,000 |
| Total capital | 10,494,000 | 10,447,000 | 10,468,000 | 10,494,000 |
| Risk-weighted assets | 70,212,000 | 81,872,000 | 81,358,000 | 80,785,000 |