Call reports 2003
CITIZENS NATIONAL BANK — 2003
What CITIZENS NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 210,834,000 | 215,693,000 | 215,004,000 | 219,618,000 |
| Total loans | 148,704,000 | 149,200,000 | 148,991,000 | 147,924,000 |
| Allowance for loan losses | 1,057,000 | 1,085,000 | 1,089,000 | 1,067,000 |
| Securities available for sale | 36,644,000 | 42,711,000 | 42,446,000 | 45,202,000 |
| Securities held to maturity | 102,000 | 94,000 | 86,000 | 77,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,956,000 | 158,956,000 | 158,013,000 | 164,067,000 |
| Interest-bearing deposits | 137,048,000 | 136,369,000 | 135,659,000 | 139,058,000 |
| Noninterest-bearing deposits | 22,908,000 | 22,587,000 | 22,354,000 | 25,009,000 |
| Equity capital | 20,029,000 | 19,774,000 | 20,036,000 | 19,961,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,856,000 | 5,695,000 | 8,512,000 | 11,258,000 |
| Interest expense | 1,014,000 | 2,034,000 | 3,040,000 | 4,000,000 |
| Net interest income | 1,842,000 | 3,661,000 | 5,472,000 | 7,258,000 |
| Noninterest income | 492,000 | 1,098,000 | 1,643,000 | 2,250,000 |
| Noninterest expense | 1,707,000 | 3,494,000 | 5,216,000 | 6,922,000 |
| Provision for loan losses | 15,000 | 95,000 | 110,000 | 175,000 |
| Pretax income | 671,000 | 1,653,000 | 2,272,000 | 2,894,000 |
| Income tax | 226,000 | 502,000 | 685,000 | 858,000 |
| Net income | 531,000 | 1,151,000 | 1,587,000 | 2,036,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,509,000 | 14,565,000 | 15,036,000 | 15,071,000 |
| Total capital | 15,823,000 | 15,730,000 | 16,204,000 | 16,213,000 |
| Risk-weighted assets | 129,758,000 | 132,477,000 | 133,771,000 | 134,287,000 |