Call reports 2003
CITIZENS NATIONAL BANK, THE — 2003
What CITIZENS NATIONAL BANK, 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 | 145,245,000 | 145,515,000 | 146,710,000 | 151,813,000 |
| Total loans | 66,749,000 | 67,587,000 | 65,626,000 | 65,564,000 |
| Allowance for loan losses | 1,076,000 | 1,068,000 | 995,000 | 961,000 |
| Securities available for sale | 63,119,000 | 64,251,000 | 70,333,000 | 72,346,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,015,000 | 130,688,000 | 132,675,000 | 137,594,000 |
| Interest-bearing deposits | 116,314,000 | 115,566,000 | 117,078,000 | 122,097,000 |
| Noninterest-bearing deposits | 14,701,000 | 15,122,000 | 15,597,000 | 15,497,000 |
| Equity capital | 11,347,000 | 11,872,000 | 11,403,000 | 11,829,000 |
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 | 1,994,000 | 3,958,000 | 5,864,000 | 7,757,000 |
| Interest expense | 632,000 | 1,240,000 | 1,829,000 | 2,382,000 |
| Net interest income | 1,362,000 | 2,718,000 | 4,035,000 | 5,375,000 |
| Noninterest income | 388,000 | 765,000 | 1,134,000 | 1,519,000 |
| Noninterest expense | 1,315,000 | 2,583,000 | 3,897,000 | 5,142,000 |
| Provision for loan losses | 78,000 | 156,000 | 245,000 | 346,000 |
| Pretax income | 357,000 | 787,000 | 1,082,000 | 1,461,000 |
| Income tax | 93,000 | 211,000 | 277,000 | 372,000 |
| Net income | 264,000 | 576,000 | 805,000 | 1,089,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,305,000 | 10,623,000 | 10,859,000 | 11,149,000 |
| Total capital | 11,378,000 | 11,691,000 | 11,854,000 | 12,110,000 |
| Risk-weighted assets | 85,807,000 | 86,705,000 | 86,288,000 | 86,648,000 |