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 | 39,242,000 | 42,761,000 | 44,136,000 | 42,506,000 |
| Total loans | 31,684,000 | 34,954,000 | 33,961,000 | 34,038,000 |
| Allowance for loan losses | 359,000 | 358,000 | 339,000 | 336,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,183,000 | 2,077,000 | 1,996,000 | 1,901,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,077,000 | 37,457,000 | 38,974,000 | 37,103,000 |
| Interest-bearing deposits | 29,723,000 | 32,761,000 | 33,910,000 | 31,790,000 |
| Noninterest-bearing deposits | 4,354,000 | 4,695,000 | 5,064,000 | 5,313,000 |
| Equity capital | 4,828,000 | 5,056,000 | 5,081,000 | 5,215,000 |
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 | 726,000 | 1,526,000 | 2,284,000 | 3,008,000 |
| Interest expense | 195,000 | 369,000 | 557,000 | 731,000 |
| Net interest income | 531,000 | 1,157,000 | 1,727,000 | 2,277,000 |
| Noninterest income | 47,000 | 103,000 | 165,000 | 219,000 |
| Noninterest expense | 292,000 | 604,000 | 947,000 | 1,336,000 |
| Provision for loan losses | 0 | 0 | 240,000 | 240,000 |
| Pretax income | 286,000 | 656,000 | 705,000 | 920,000 |
| Income tax | 109,000 | 251,000 | 275,000 | 356,000 |
| Net income | 177,000 | 405,000 | 430,000 | 564,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,828,000 | 5,056,000 | 5,081,000 | 5,215,000 |
| Total capital | 5,187,000 | 5,414,000 | 5,420,000 | 5,551,000 |
| Risk-weighted assets | 31,681,000 | 34,952,000 | 34,938,000 | 34,494,000 |