Call reports 2004
CITIZENS NATIONAL BANK, THE — 2004
What CITIZENS NATIONAL BANK, 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 | 151,901,000 | 150,411,000 | 150,965,000 | 148,076,000 |
| Total loans | 65,773,000 | 66,314,000 | 64,468,000 | 65,026,000 |
| Allowance for loan losses | 1,016,000 | 990,000 | 972,000 | 981,000 |
| Securities available for sale | 73,169,000 | 70,029,000 | 73,445,000 | 73,051,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,606,000 | 136,417,000 | 136,574,000 | 134,331,000 |
| Interest-bearing deposits | 118,691,000 | 118,188,000 | 117,653,000 | 115,783,000 |
| Noninterest-bearing deposits | 17,915,000 | 18,229,000 | 18,921,000 | 18,548,000 |
| Equity capital | 12,485,000 | 11,419,000 | 11,679,000 | 11,272,000 |
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 | 1,856,000 | 3,681,000 | 5,565,000 | 7,405,000 |
| Interest expense | 530,000 | 1,047,000 | 1,577,000 | 2,096,000 |
| Net interest income | 1,326,000 | 2,634,000 | 3,988,000 | 5,309,000 |
| Noninterest income | 350,000 | 748,000 | 1,141,000 | 1,473,000 |
| Noninterest expense | 1,254,000 | 2,579,000 | 3,884,000 | 5,211,000 |
| Provision for loan losses | 78,000 | 156,000 | 204,000 | 252,000 |
| Pretax income | 506,000 | 809,000 | 1,184,000 | 1,462,000 |
| Income tax | 135,000 | 190,000 | 264,000 | 306,000 |
| Net income | 371,000 | 619,000 | 920,000 | 1,156,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,526,000 | 11,781,000 | 11,088,000 | 10,880,000 |
| Total capital | 12,542,000 | 12,771,000 | 12,060,000 | 11,861,000 |
| Risk-weighted assets | 89,116,000 | 90,477,000 | 89,307,000 | 89,043,000 |