Call reports 2002
CITIZENS NATIONAL BANK, THE — 2002
What CITIZENS NATIONAL BANK, THE 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 | 758,564,000 | 788,286,000 | 794,508,000 | 817,988,000 |
| Total loans | 543,822,000 | 568,472,000 | 578,618,000 | 581,403,000 |
| Allowance for loan losses | 10,262,000 | 10,528,000 | 10,891,000 | 10,747,000 |
| Securities available for sale | 169,253,000 | 172,895,000 | 175,875,000 | 190,311,000 |
| Securities held to maturity | 1,886,000 | 1,886,000 | 1,886,000 | 2,086,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 617,694,000 | 650,232,000 | 657,177,000 | 678,792,000 |
| Interest-bearing deposits | 441,753,000 | 453,849,000 | 470,419,000 | 483,253,000 |
| Noninterest-bearing deposits | 175,941,000 | 196,383,000 | 186,758,000 | 195,539,000 |
| Equity capital | 83,056,000 | 85,480,000 | 88,253,000 | 89,594,000 |
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 | 11,855,000 | 23,982,000 | 36,231,000 | 48,381,000 |
| Interest expense | 2,476,000 | 4,759,000 | 7,139,000 | 9,394,000 |
| Net interest income | 9,379,000 | 19,223,000 | 29,092,000 | 38,987,000 |
| Noninterest income | 1,519,000 | 3,085,000 | 4,750,000 | 6,328,000 |
| Noninterest expense | 4,493,000 | 9,229,000 | 13,987,000 | 18,425,000 |
| Provision for loan losses | 338,000 | 625,000 | 1,003,000 | 1,003,000 |
| Pretax income | 6,067,000 | 12,454,000 | 18,852,000 | 25,887,000 |
| Income tax | 2,253,000 | 4,585,000 | 6,913,000 | 9,426,000 |
| Net income | 3,814,000 | 7,869,000 | 11,939,000 | 16,461,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 82,320,000 | 83,013,000 | 84,235,000 | 85,773,000 |
| Total capital | 89,461,000 | 90,427,000 | 91,790,000 | 93,386,000 |
| Risk-weighted assets | 568,140,000 | 589,977,000 | 601,049,000 | 605,889,000 |