Call reports 2002
CITIZENS NATIONAL BANK — 2002
What CITIZENS NATIONAL BANK 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 | 200,188,000 | 200,501,000 | 206,446,000 | 209,522,000 |
| Total loans | 133,976,000 | 136,758,000 | 141,011,000 | 142,721,000 |
| Allowance for loan losses | 1,001,000 | 979,000 | 994,000 | 1,047,000 |
| Securities available for sale | 40,663,000 | 35,830,000 | 41,000,000 | 39,611,000 |
| Securities held to maturity | 142,000 | 129,000 | 122,000 | 111,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,650,000 | 155,085,000 | 155,726,000 | 158,241,000 |
| Interest-bearing deposits | 133,996,000 | 132,991,000 | 133,714,000 | 132,929,000 |
| Noninterest-bearing deposits | 22,654,000 | 22,094,000 | 22,012,000 | 25,312,000 |
| Equity capital | 18,112,000 | 18,791,000 | 19,384,000 | 19,178,000 |
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 | 3,048,000 | 6,004,000 | 8,927,000 | 11,857,000 |
| Interest expense | 1,249,000 | 2,418,000 | 3,619,000 | 4,733,000 |
| Net interest income | 1,799,000 | 3,586,000 | 5,308,000 | 7,124,000 |
| Noninterest income | 536,000 | 1,058,000 | 1,610,000 | 2,141,000 |
| Noninterest expense | 1,705,000 | 3,423,000 | 5,163,000 | 6,753,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 110,000 |
| Pretax income | 846,000 | 1,596,000 | 2,219,000 | 2,911,000 |
| Income tax | 257,000 | 478,000 | 655,000 | 864,000 |
| Net income | 589,000 | 1,118,000 | 1,564,000 | 2,108,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,078,000 | 13,704,000 | 14,245,000 | 13,942,000 |
| Total capital | 14,079,000 | 14,683,000 | 15,239,000 | 14,989,000 |
| Risk-weighted assets | 118,198,000 | 119,927,000 | 123,482,000 | 127,111,000 |