Call reports 2004
CITIZENS NATIONAL BANK — 2004
What CITIZENS NATIONAL BANK 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 | 93,238,000 | 92,573,000 | 97,328,000 | 101,197,000 |
| Total loans | 70,107,000 | 74,335,000 | 76,272,000 | 82,468,000 |
| Allowance for loan losses | 709,000 | 701,000 | 929,000 | 919,000 |
| Securities available for sale | 4,976,000 | 6,022,000 | 5,000,000 | 4,998,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,142,000 | 82,448,000 | 88,096,000 | 91,928,000 |
| Interest-bearing deposits | 61,274,000 | 59,368,000 | 62,897,000 | 65,969,000 |
| Noninterest-bearing deposits | 21,868,000 | 23,080,000 | 25,199,000 | 25,959,000 |
| Equity capital | 7,571,000 | 7,676,000 | 8,188,000 | 8,133,000 |
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 | 1,251,000 | 2,503,000 | 3,802,000 | 5,260,000 |
| Interest expense | 251,000 | 507,000 | 799,000 | 1,090,000 |
| Net interest income | 1,000,000 | 1,996,000 | 3,003,000 | 4,170,000 |
| Noninterest income | 430,000 | 859,000 | 1,282,000 | 1,731,000 |
| Noninterest expense | 1,164,000 | 2,348,000 | 3,434,000 | 4,776,000 |
| Provision for loan losses | 90,000 | 165,000 | 225,000 | 304,000 |
| Pretax income | 176,000 | 342,000 | 626,000 | 821,000 |
| Income tax | 53,000 | 118,000 | 198,000 | 268,000 |
| Net income | 123,000 | 224,000 | 723,000 | 846,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,571,000 | 7,656,000 | 8,188,000 | 8,133,000 |
| Total capital | 8,280,000 | 8,357,000 | 9,117,000 | 9,052,000 |
| Risk-weighted assets | 71,376,000 | 72,912,000 | 76,540,000 | 78,791,000 |