Call reports 2005
CITIZENS NATIONAL BANK OF RUSSELLVILLE, THE — 2005
What CITIZENS NATIONAL BANK OF RUSSELLVILLE, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 |
|---|---|---|
| Total assets | 167,294,000 | 163,000,000 |
| Total loans | 105,835,000 | 104,904,000 |
| Allowance for loan losses | 1,240,000 | 1,323,000 |
| Securities available for sale | 42,340,000 | 31,954,000 |
| Securities held to maturity | 252,000 | 229,000 |
| Trading assets | 0 | 0 |
| Total deposits | 147,346,000 | 142,936,000 |
| Interest-bearing deposits | 134,173,000 | 129,868,000 |
| Noninterest-bearing deposits | 13,173,000 | 13,068,000 |
| Equity capital | 18,292,000 | 18,299,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 |
|---|---|---|
| Interest income | 2,050,000 | 4,259,000 |
| Interest expense | 694,000 | 1,443,000 |
| Net interest income | 1,356,000 | 2,816,000 |
| Noninterest income | 269,000 | 510,000 |
| Noninterest expense | 921,000 | 1,890,000 |
| Provision for loan losses | 75,000 | 75,000 |
| Pretax income | 629,000 | 1,233,000 |
| Income tax | 153,000 | 298,000 |
| Net income | 476,000 | 935,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 |
|---|---|---|
| Tier 1 capital | 10,651,000 | 10,511,000 |
| Total capital | 11,891,000 | 11,834,000 |
| Risk-weighted assets | 113,020,000 | 109,336,000 |