Call reports 2004
CITIZENS NATIONAL BANK — 2004
What CITIZENS NATIONAL BANK 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 | 219,326,000 | 216,788,000 | 212,238,000 | 215,286,000 |
| Total loans | 145,466,000 | 141,348,000 | 140,626,000 | 140,070,000 |
| Allowance for loan losses | 977,000 | 957,000 | 859,000 | 830,000 |
| Securities available for sale | 46,546,000 | 50,653,000 | 47,370,000 | 50,399,000 |
| Securities held to maturity | 71,000 | 66,000 | 61,000 | 56,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,713,000 | 166,913,000 | 159,777,000 | 164,452,000 |
| Interest-bearing deposits | 157,403,000 | 153,194,000 | 148,811,000 | 151,692,000 |
| Noninterest-bearing deposits | 11,310,000 | 13,719,000 | 10,966,000 | 12,760,000 |
| Equity capital | 20,468,000 | 20,195,000 | 21,022,000 | 20,221,000 |
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 | 2,650,000 | 5,248,000 | 7,832,000 | 10,456,000 |
| Interest expense | 924,000 | 1,791,000 | 2,636,000 | 3,469,000 |
| Net interest income | 1,726,000 | 3,457,000 | 5,196,000 | 6,987,000 |
| Noninterest income | 540,000 | 1,119,000 | 1,771,000 | 2,435,000 |
| Noninterest expense | 1,748,000 | 3,490,000 | 5,296,000 | 7,050,000 |
| Provision for loan losses | 23,000 | 23,000 | -75,000 | -75,000 |
| Pretax income | 537,000 | 1,105,000 | 1,831,000 | 2,579,000 |
| Income tax | 155,000 | 320,000 | 537,000 | 749,000 |
| Net income | 382,000 | 785,000 | 1,294,000 | 1,830,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,488,000 | 15,741,000 | 16,288,000 | 15,663,000 |
| Total capital | 16,529,000 | 16,761,000 | 17,196,000 | 16,529,000 |
| Risk-weighted assets | 131,011,000 | 129,835,000 | 129,122,000 | 130,928,000 |