Call reports 2002
CITIZENS NATIONAL BANK — 2002
What CITIZENS NATIONAL BANK 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 | 90,582,000 | 85,991,000 | 86,536,000 | 87,764,000 |
| Total loans | 64,719,000 | 64,175,000 | 67,209,000 | 72,055,000 |
| Allowance for loan losses | 587,000 | 655,000 | 677,000 | 837,000 |
| Securities available for sale | 6,293,000 | 6,195,000 | 5,446,000 | 5,265,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,008,000 | 76,968,000 | 75,453,000 | 77,547,000 |
| Interest-bearing deposits | 65,155,000 | 58,946,000 | 57,811,000 | 56,962,000 |
| Noninterest-bearing deposits | 16,853,000 | 18,022,000 | 17,642,000 | 20,585,000 |
| Equity capital | 4,866,000 | 5,016,000 | 7,427,000 | 7,707,000 |
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 | 1,402,000 | 2,757,000 | 4,142,000 | 5,541,000 |
| Interest expense | 498,000 | 929,000 | 1,314,000 | 1,689,000 |
| Net interest income | 904,000 | 1,828,000 | 2,828,000 | 3,852,000 |
| Noninterest income | 541,000 | 1,185,000 | 1,804,000 | 2,663,000 |
| Noninterest expense | 1,225,000 | 2,434,000 | 3,642,000 | 4,931,000 |
| Provision for loan losses | 152,000 | 287,000 | 432,000 | 582,000 |
| Pretax income | 68,000 | 292,000 | 558,000 | 1,002,000 |
| Income tax | 12,000 | 97,000 | 187,000 | 350,000 |
| Net income | 56,000 | 195,000 | 371,000 | 652,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,847,000 | 5,001,000 | 7,427,000 | 7,693,000 |
| Total capital | 5,434,000 | 5,656,000 | 8,104,000 | 8,530,000 |
| Risk-weighted assets | 64,840,000 | 65,061,000 | 67,074,000 | 72,587,000 |