Call reports 2003
CITIZENS NATIONAL BANK, THE — 2003
What CITIZENS NATIONAL BANK, THE 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 | 840,081,000 | 868,270,000 | 889,256,000 | 1,084,856,000 |
| Total loans | 579,640,000 | 600,870,000 | 613,817,000 | 830,143,000 |
| Allowance for loan losses | 10,969,000 | 10,969,000 | 11,185,000 | 11,288,000 |
| Securities available for sale | 203,840,000 | 205,086,000 | 213,240,000 | 208,377,000 |
| Securities held to maturity | 2,086,000 | 2,186,000 | 2,185,000 | 1,160,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 696,773,000 | 719,545,000 | 713,567,000 | 878,762,000 |
| Interest-bearing deposits | 493,452,000 | 504,869,000 | 492,778,000 | 605,268,000 |
| Noninterest-bearing deposits | 203,321,000 | 214,676,000 | 220,789,000 | 273,494,000 |
| Equity capital | 90,511,000 | 91,239,000 | 78,931,000 | 79,553,000 |
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 | 11,791,000 | 23,072,000 | 34,435,000 | 47,849,000 |
| Interest expense | 2,034,000 | 3,974,000 | 6,013,000 | 8,243,000 |
| Net interest income | 9,757,000 | 19,098,000 | 28,422,000 | 39,606,000 |
| Noninterest income | 1,631,000 | 3,232,000 | 4,859,000 | 6,618,000 |
| Noninterest expense | 4,439,000 | 9,387,000 | 14,169,000 | 20,631,000 |
| Provision for loan losses | 255,000 | 510,000 | 765,000 | 1,020,000 |
| Pretax income | 6,694,000 | 12,759,000 | 18,673,000 | 24,899,000 |
| Income tax | 2,440,000 | 4,641,000 | 6,814,000 | 9,155,000 |
| Net income | 4,254,000 | 8,118,000 | 11,859,000 | 15,744,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,330,000 | 88,599,000 | 77,634,000 | 76,147,000 |
| Total capital | 95,006,000 | 96,629,000 | 122,887,000 | 124,352,000 |
| Risk-weighted assets | 610,800,000 | 639,490,000 | 657,300,000 | 896,340,000 |