Call reports 2004
CITIZENS NATIONAL BANK OF RUSSELLVILLE, THE — 2004
What CITIZENS NATIONAL BANK OF RUSSELLVILLE, THE 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 | 176,393,000 | 177,713,000 | 171,119,000 | 166,883,000 |
| Total loans | 74,691,000 | 76,067,000 | 74,297,000 | 98,353,000 |
| Allowance for loan losses | 986,000 | 986,000 | 898,000 | 1,135,000 |
| Securities available for sale | 82,268,000 | 84,543,000 | 72,423,000 | 46,320,000 |
| Securities held to maturity | 378,000 | 339,000 | 304,000 | 276,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,892,000 | 157,230,000 | 151,726,000 | 146,908,000 |
| Interest-bearing deposits | 144,831,000 | 144,356,000 | 137,462,000 | 134,026,000 |
| Noninterest-bearing deposits | 11,061,000 | 12,874,000 | 14,264,000 | 12,882,000 |
| Equity capital | 17,582,000 | 15,879,000 | 17,617,000 | 18,161,000 |
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 | 1,839,000 | 3,704,000 | 5,616,000 | 7,581,000 |
| Interest expense | 690,000 | 1,363,000 | 2,006,000 | 2,678,000 |
| Net interest income | 1,149,000 | 2,341,000 | 3,610,000 | 4,903,000 |
| Noninterest income | 253,000 | 467,000 | 690,000 | 924,000 |
| Noninterest expense | 812,000 | 1,672,000 | 2,606,000 | 3,469,000 |
| Provision for loan losses | 30,000 | 60,000 | 80,000 | 720,000 |
| Pretax income | 557,000 | 1,073,000 | 1,611,000 | 1,645,000 |
| Income tax | 120,000 | 227,000 | 341,000 | 285,000 |
| Net income | 437,000 | 846,000 | 1,270,000 | 1,360,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,152,000 | 9,161,000 | 9,585,000 | 10,175,000 |
| Total capital | 10,138,000 | 10,147,000 | 10,483,000 | 11,310,000 |
| Risk-weighted assets | 87,505,000 | 89,167,000 | 88,432,000 | 105,988,000 |