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 | 45,650,000 | 53,109,000 | 55,993,000 | 61,413,000 |
| Total loans | 38,190,000 | 44,002,000 | 46,344,000 | 51,344,000 |
| Allowance for loan losses | 294,000 | 312,000 | 433,000 | 565,000 |
| Securities available for sale | 3,145,000 | 5,468,000 | 6,619,000 | 6,093,000 |
| Securities held to maturity | 865,000 | 838,000 | 802,000 | 780,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,247,000 | 43,550,000 | 46,370,000 | 51,872,000 |
| Interest-bearing deposits | 33,392,000 | 37,825,000 | 39,421,000 | 44,425,000 |
| Noninterest-bearing deposits | 5,855,000 | 5,725,000 | 6,949,000 | 7,447,000 |
| Equity capital | 5,998,000 | 6,140,000 | 6,460,000 | 6,738,000 |
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 | 658,000 | 1,389,000 | 2,337,000 | 3,217,000 |
| Interest expense | 87,000 | 181,000 | 320,000 | 474,000 |
| Net interest income | 571,000 | 1,208,000 | 2,017,000 | 2,743,000 |
| Noninterest income | 50,000 | 104,000 | 159,000 | 207,000 |
| Noninterest expense | 356,000 | 716,000 | 1,100,000 | 1,453,000 |
| Provision for loan losses | 0 | 0 | 107,000 | 207,000 |
| Pretax income | 265,000 | 596,000 | 969,000 | 1,290,000 |
| Income tax | 102,000 | 232,000 | 377,000 | 402,000 |
| Net income | 163,000 | 364,000 | 592,000 | 888,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,922,000 | 6,124,000 | 6,351,000 | 6,648,000 |
| Total capital | 6,216,000 | 6,436,000 | 6,784,000 | 7,213,000 |
| Risk-weighted assets | 40,482,000 | 48,604,000 | 50,754,000 | 55,074,000 |