Call reports 2001
CITIZENS NATIONAL BANK — 2001
What CITIZENS NATIONAL BANK 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 | 83,752,000 | 84,601,000 | 82,725,000 | 85,644,000 |
| Total loans | 63,664,000 | 63,668,000 | 63,138,000 | 66,005,000 |
| Allowance for loan losses | 732,000 | 651,000 | 665,000 | 739,000 |
| Securities available for sale | 8,338,000 | 7,397,000 | 8,483,000 | 6,990,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,206,000 | 76,890,000 | 75,939,000 | 77,664,000 |
| Interest-bearing deposits | 62,962,000 | 60,834,000 | 62,851,000 | 61,912,000 |
| Noninterest-bearing deposits | 13,244,000 | 16,056,000 | 13,088,000 | 15,752,000 |
| Equity capital | 6,482,000 | 6,546,000 | 5,843,000 | 4,806,000 |
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 | 1,776,000 | 3,414,000 | 4,997,000 | 6,482,000 |
| Interest expense | 809,000 | 1,523,000 | 2,189,000 | 2,781,000 |
| Net interest income | 967,000 | 1,891,000 | 2,808,000 | 3,701,000 |
| Noninterest income | 156,000 | 603,000 | 894,000 | 1,344,000 |
| Noninterest expense | 1,170,000 | 2,362,000 | 3,569,000 | 4,919,000 |
| Provision for loan losses | 350,000 | 440,000 | 1,515,000 | 1,975,000 |
| Pretax income | -397,000 | -308,000 | -1,382,000 | -1,849,000 |
| Income tax | -138,000 | -108,000 | -474,000 | -633,000 |
| Net income | -259,000 | -200,000 | -908,000 | -1,942,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,474,000 | 6,533,000 | 5,825,000 | 4,791,000 |
| Total capital | 7,206,000 | 7,184,000 | 6,490,000 | 5,530,000 |
| Risk-weighted assets | 59,497,000 | 59,995,000 | 60,892,000 | 64,780,000 |