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 | 16,705,000 | 20,582,000 | 20,512,000 | 21,381,000 |
| Total loans | 6,817,000 | 9,045,000 | 11,236,000 | 12,956,000 |
| Allowance for loan losses | 70,000 | 87,000 | 117,000 | 151,000 |
| Securities available for sale | 7,155,000 | 8,546,000 | 6,912,000 | 5,780,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,593,000 | 16,705,000 | 16,632,000 | 17,766,000 |
| Interest-bearing deposits | 10,824,000 | 14,176,000 | 14,694,000 | 15,560,000 |
| Noninterest-bearing deposits | 1,770,000 | 2,529,000 | 1,938,000 | 2,206,000 |
| Equity capital | 4,076,000 | 3,832,000 | 3,765,000 | 3,564,000 |
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 | 134,000 | 306,000 | 519,000 | 778,000 |
| Interest expense | 57,000 | 136,000 | 225,000 | 318,000 |
| Net interest income | 77,000 | 170,000 | 294,000 | 460,000 |
| Noninterest income | 33,000 | 71,000 | 111,000 | 150,000 |
| Noninterest expense | 233,000 | 480,000 | 748,000 | 1,088,000 |
| Provision for loan losses | 14,000 | 31,000 | 61,000 | 95,000 |
| Pretax income | -137,000 | -270,000 | -404,000 | -573,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -137,000 | -270,000 | -404,000 | -573,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,071,000 | 3,936,000 | 3,803,000 | 3,634,000 |
| Total capital | 4,141,000 | 4,023,000 | 3,920,000 | 3,785,000 |
| Risk-weighted assets | 9,731,000 | 12,103,000 | 13,728,000 | 15,110,000 |