Call reports 2003
CITIZENS NATIONAL BANK — 2003
What CITIZENS NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|
| Total assets | 8,344,000 | 11,367,000 | 13,523,000 |
| Total loans | 1,191,000 | 3,632,000 | 5,572,000 |
| Allowance for loan losses | 10,000 | 28,000 | 56,000 |
| Securities available for sale | 5,548,000 | 6,331,000 | 6,118,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 3,775,000 | 6,993,000 | 9,185,000 |
| Interest-bearing deposits | 2,923,000 | 5,851,000 | 7,879,000 |
| Noninterest-bearing deposits | 852,000 | 1,142,000 | 1,306,000 |
| Equity capital | 4,565,000 | 4,362,000 | 4,171,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|
| Interest income | 19,000 | 83,000 | 197,000 |
| Interest expense | 5,000 | 32,000 | 74,000 |
| Net interest income | 14,000 | 51,000 | 123,000 |
| Noninterest income | 1,000 | 8,000 | 28,000 |
| Noninterest expense | 200,000 | 413,000 | 654,000 |
| Provision for loan losses | 10,000 | 28,000 | 56,000 |
| Pretax income | -195,000 | -382,000 | -559,000 |
| Income tax | 0 | 0 | 0 |
| Net income | -684,000 | -871,000 | -1,048,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|
| Tier 1 capital | 4,566,000 | 4,380,000 | 4,203,000 |
| Total capital | 4,576,000 | 4,408,000 | 4,259,000 |
| Risk-weighted assets | 3,165,000 | 5,888,000 | 7,966,000 |