Call reports 2002
CITIZENS NATIONAL BANK OF RUSSELLVILLE, THE — 2002
What CITIZENS NATIONAL BANK OF RUSSELLVILLE, THE 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 | 169,634,000 | 168,502,000 | 169,846,000 | 173,297,000 |
| Total loans | 86,363,000 | 86,699,000 | 87,917,000 | 87,824,000 |
| Allowance for loan losses | 773,000 | 776,000 | 856,000 | 703,000 |
| Securities available for sale | 65,096,000 | 66,339,000 | 66,768,000 | 68,268,000 |
| Securities held to maturity | 9,734,000 | 9,058,000 | 8,995,000 | 6,811,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,181,000 | 143,370,000 | 143,961,000 | 147,673,000 |
| Interest-bearing deposits | 134,430,000 | 132,840,000 | 132,404,000 | 135,371,000 |
| Noninterest-bearing deposits | 11,751,000 | 10,530,000 | 11,557,000 | 12,302,000 |
| Equity capital | 21,023,000 | 22,013,000 | 22,660,000 | 22,549,000 |
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 | 2,632,000 | 5,197,000 | 7,720,000 | 10,069,000 |
| Interest expense | 1,525,000 | 3,033,000 | 4,297,000 | 5,426,000 |
| Net interest income | 1,107,000 | 2,164,000 | 3,423,000 | 4,643,000 |
| Noninterest income | 196,000 | 399,000 | 595,000 | 824,000 |
| Noninterest expense | 732,000 | 1,471,000 | 2,221,000 | 2,957,000 |
| Provision for loan losses | 96,000 | 142,000 | 241,000 | 276,000 |
| Pretax income | 475,000 | 957,000 | 1,563,000 | 2,241,000 |
| Income tax | 120,000 | 218,000 | 363,000 | 531,000 |
| Net income | 355,000 | 739,000 | 1,200,000 | 1,710,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,727,000 | 20,892,000 | 21,163,000 | 21,174,000 |
| Total capital | 21,500,000 | 21,668,000 | 22,019,000 | 21,877,000 |
| Risk-weighted assets | 95,791,000 | 96,663,000 | 97,316,000 | 106,285,000 |