Call reports 2001
CITIZENS NATIONAL BANK — 2001
What CITIZENS NATIONAL BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 207,245,000 | 198,370,000 | 200,621,000 | 204,640,000 |
| Total loans | 124,472,000 | 128,615,000 | 132,070,000 | 129,698,000 |
| Allowance for loan losses | 924,000 | 941,000 | 948,000 | 993,000 |
| Securities available for sale | 48,597,000 | 45,701,000 | 43,904,000 | 45,016,000 |
| Securities held to maturity | 962,000 | 699,000 | 393,000 | 154,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,127,000 | 159,464,000 | 157,823,000 | 160,181,000 |
| Interest-bearing deposits | 142,527,000 | 135,934,000 | 135,302,000 | 135,483,000 |
| Noninterest-bearing deposits | 24,600,000 | 23,530,000 | 22,521,000 | 24,698,000 |
| Equity capital | 17,123,000 | 17,446,000 | 18,079,000 | 17,861,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 3,394,000 | 6,742,000 | 9,997,000 | 13,213,000 |
| Interest expense | 1,984,000 | 3,922,000 | 5,696,000 | 7,192,000 |
| Net interest income | 1,410,000 | 2,820,000 | 4,301,000 | 6,021,000 |
| Noninterest income | 545,000 | 1,068,000 | 1,605,000 | 2,202,000 |
| Noninterest expense | 1,618,000 | 3,234,000 | 4,909,000 | 6,576,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 105,000 |
| Pretax income | 520,000 | 877,000 | 1,282,000 | 1,872,000 |
| Income tax | 146,000 | 237,000 | 344,000 | 508,000 |
| Net income | 374,000 | 640,000 | 938,000 | 1,364,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,344,000 | 11,924,000 | 12,320,000 | 12,393,000 |
| Total capital | 12,268,000 | 12,865,000 | 13,268,000 | 13,386,000 |
| Risk-weighted assets | 114,222,000 | 114,728,000 | 117,691,000 | 117,680,000 |