Call reports 2003
CITIZENS NATIONAL BANK — 2003
What CITIZENS NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 41,121,000 | 42,894,000 | 43,322,000 | 43,937,000 |
| Total loans | 32,679,000 | 32,320,000 | 32,090,000 | 33,285,000 |
| Allowance for loan losses | 335,000 | 331,000 | 386,000 | 294,000 |
| Securities available for sale | 1,027,000 | 1,083,000 | 1,066,000 | 3,086,000 |
| Securities held to maturity | 1,112,000 | 1,048,000 | 970,000 | 907,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,449,000 | 37,128,000 | 37,425,000 | 37,871,000 |
| Interest-bearing deposits | 30,286,000 | 31,847,000 | 31,786,000 | 31,916,000 |
| Noninterest-bearing deposits | 5,163,000 | 5,281,000 | 5,639,000 | 5,955,000 |
| Equity capital | 5,367,000 | 5,539,000 | 5,650,000 | 5,798,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 686,000 | 1,354,000 | 1,999,000 | 2,647,000 |
| Interest expense | 139,000 | 258,000 | 358,000 | 445,000 |
| Net interest income | 547,000 | 1,096,000 | 1,641,000 | 2,202,000 |
| Noninterest income | 51,000 | 99,000 | 157,000 | 205,000 |
| Noninterest expense | 366,000 | 745,000 | 1,115,000 | 1,485,000 |
| Provision for loan losses | 0 | 0 | 35,000 | 35,000 |
| Pretax income | 232,000 | 450,000 | 648,000 | 887,000 |
| Income tax | 89,000 | 171,000 | 249,000 | 343,000 |
| Net income | 143,000 | 279,000 | 399,000 | 544,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,358,000 | 5,494,000 | 5,614,000 | 5,759,000 |
| Total capital | 5,693,000 | 5,825,000 | 6,000,000 | 6,053,000 |
| Risk-weighted assets | 33,817,000 | 33,794,000 | 33,672,000 | 36,149,000 |