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 | 74,974,000 | 72,331,000 | 75,040,000 | 72,379,000 |
| Total loans | 35,481,000 | 35,672,000 | 34,660,000 | 35,220,000 |
| Allowance for loan losses | 407,000 | 406,000 | 405,000 | 411,000 |
| Securities available for sale | 26,891,000 | 28,269,000 | 27,514,000 | 22,977,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,837,000 | 60,555,000 | 64,621,000 | 65,388,000 |
| Interest-bearing deposits | 49,448,000 | 47,553,000 | 48,974,000 | 50,548,000 |
| Noninterest-bearing deposits | 12,389,000 | 13,002,000 | 15,647,000 | 14,840,000 |
| Equity capital | 6,161,000 | 5,368,000 | 6,204,000 | 5,950,000 |
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 | 861,000 | 1,666,000 | 2,477,000 | 3,329,000 |
| Interest expense | 160,000 | 314,000 | 472,000 | 638,000 |
| Net interest income | 701,000 | 1,352,000 | 2,005,000 | 2,691,000 |
| Noninterest income | 164,000 | 350,000 | 540,000 | 729,000 |
| Noninterest expense | 645,000 | 1,294,000 | 1,924,000 | 2,472,000 |
| Provision for loan losses | 8,000 | 13,000 | 23,000 | 28,000 |
| Pretax income | 260,000 | 443,000 | 646,000 | 969,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 260,000 | 443,000 | 646,000 | 969,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,177,000 | 6,244,000 | 6,331,000 | 6,202,000 |
| Total capital | 6,584,000 | 6,650,000 | 6,736,000 | 6,613,000 |
| Risk-weighted assets | 41,687,000 | 41,421,000 | 41,130,000 | 41,422,000 |