Call reports 2001
CITIZENS NATIONAL BANK, THE — 2001
What CITIZENS NATIONAL BANK, THE 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 | 699,467,000 | 712,321,000 | 722,090,000 | 747,682,000 |
| Total loans | 529,406,000 | 540,469,000 | 543,918,000 | 547,426,000 |
| Allowance for loan losses | 9,440,000 | 9,627,000 | 9,762,000 | 9,922,000 |
| Securities available for sale | 133,114,000 | 127,212,000 | 139,434,000 | 144,080,000 |
| Securities held to maturity | 1,887,000 | 1,887,000 | 1,887,000 | 1,886,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 561,285,000 | 572,367,000 | 577,713,000 | 604,772,000 |
| Interest-bearing deposits | 416,479,000 | 414,308,000 | 426,104,000 | 440,601,000 |
| Noninterest-bearing deposits | 144,806,000 | 158,059,000 | 151,609,000 | 164,171,000 |
| Equity capital | 78,965,000 | 79,854,000 | 82,432,000 | 83,098,000 |
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 | 12,452,000 | 25,005,000 | 37,604,000 | 49,896,000 |
| Interest expense | 4,330,000 | 8,413,000 | 12,234,000 | 15,346,000 |
| Net interest income | 8,122,000 | 16,592,000 | 25,370,000 | 34,550,000 |
| Noninterest income | 1,236,000 | 2,650,000 | 4,138,000 | 5,642,000 |
| Noninterest expense | 4,345,000 | 8,710,000 | 13,053,000 | 17,524,000 |
| Provision for loan losses | 50,000 | 245,000 | 523,000 | 688,000 |
| Pretax income | 4,963,000 | 10,287,000 | 15,932,000 | 21,980,000 |
| Income tax | 1,676,000 | 3,576,000 | 5,653,000 | 7,887,000 |
| Net income | 3,287,000 | 6,711,000 | 10,279,000 | 14,093,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,912,000 | 78,959,000 | 80,019,000 | 81,224,000 |
| Total capital | 84,734,000 | 86,005,000 | 87,057,000 | 88,411,000 |
| Risk-weighted assets | 543,178,000 | 561,062,000 | 560,291,000 | 572,197,000 |