Call reports 2004
CITIZENS NATIONAL BANK, THE — 2004
What CITIZENS NATIONAL BANK, THE 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 | 1,123,514,000 | 1,120,764,000 | 1,201,761,000 | 1,222,773,000 |
| Total loans | 849,256,000 | 876,453,000 | 903,730,000 | 943,769,000 |
| Allowance for loan losses | 11,291,000 | 11,203,000 | 11,277,000 | 11,257,000 |
| Securities available for sale | 199,956,000 | 194,948,000 | 192,975,000 | 192,136,000 |
| Securities held to maturity | 1,160,000 | 1,060,000 | 1,060,000 | 600,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 924,409,000 | 936,708,000 | 952,602,000 | 944,480,000 |
| Interest-bearing deposits | 629,109,000 | 632,161,000 | 644,148,000 | 642,532,000 |
| Noninterest-bearing deposits | 295,300,000 | 304,547,000 | 308,454,000 | 301,948,000 |
| Equity capital | 82,568,000 | 82,726,000 | 137,183,000 | 141,359,000 |
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 | 13,728,000 | 27,447,000 | 41,647,000 | 56,475,000 |
| Interest expense | 2,225,000 | 4,475,000 | 6,840,000 | 9,446,000 |
| Net interest income | 11,503,000 | 22,972,000 | 34,807,000 | 47,029,000 |
| Noninterest income | 1,731,000 | 3,795,000 | 5,587,000 | 7,450,000 |
| Noninterest expense | 5,880,000 | 12,123,000 | 18,209,000 | 24,660,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 7,354,000 | 14,644,000 | 22,185,000 | 29,819,000 |
| Income tax | 2,766,000 | 5,504,000 | 8,399,000 | 11,273,000 |
| Net income | 4,588,000 | 9,140,000 | 13,786,000 | 18,546,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 78,451,000 | 81,294,000 | 86,022,000 | 91,078,000 |
| Total capital | 126,742,000 | 129,497,000 | 134,344,000 | 139,356,000 |
| Risk-weighted assets | 917,065,000 | 941,215,000 | 957,783,000 | 1,002,628,000 |