Call reports 2002
CITIZENS NATIONAL BANK, THE — 2002
What CITIZENS NATIONAL BANK, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 133,091,000 | 129,878,000 | 128,487,000 | 145,137,000 |
| Total loans | 65,742,000 | 67,525,000 | 67,013,000 | 66,467,000 |
| Allowance for loan losses | 894,000 | 961,000 | 1,012,000 | 1,100,000 |
| Securities available for sale | 56,241,000 | 56,001,000 | 49,147,000 | 57,369,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,613,000 | 116,783,000 | 114,503,000 | 131,154,000 |
| Interest-bearing deposits | 106,078,000 | 102,533,000 | 100,453,000 | 117,612,000 |
| Noninterest-bearing deposits | 14,535,000 | 14,250,000 | 14,050,000 | 13,542,000 |
| Equity capital | 9,865,000 | 10,439,000 | 11,056,000 | 11,182,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,099,000 | 4,203,000 | 6,269,000 | 8,296,000 |
| Interest expense | 775,000 | 1,456,000 | 2,086,000 | 2,775,000 |
| Net interest income | 1,324,000 | 2,747,000 | 4,183,000 | 5,521,000 |
| Noninterest income | 342,000 | 716,000 | 1,127,000 | 1,529,000 |
| Noninterest expense | 1,143,000 | 2,326,000 | 3,628,000 | 5,040,000 |
| Provision for loan losses | 128,000 | 244,000 | 359,000 | 475,000 |
| Pretax income | 395,000 | 982,000 | 1,428,000 | 1,640,000 |
| Income tax | 106,000 | 283,000 | 408,000 | 445,000 |
| Net income | 289,000 | 699,000 | 1,020,000 | 1,195,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,664,000 | 9,730,000 | 9,906,000 | 10,034,000 |
| Total capital | 10,558,000 | 10,691,000 | 10,900,000 | 11,099,000 |
| Risk-weighted assets | 79,890,000 | 80,836,000 | 79,523,000 | 85,184,000 |