Call reports 2004
CITIZENS NATIONAL BANK OF QUITMAN, THE — 2004
What CITIZENS NATIONAL BANK OF QUITMAN, 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 | 73,034,000 | 81,824,000 | 81,066,000 | 85,587,000 |
| Total loans | 51,101,000 | 58,005,000 | 58,526,000 | 57,526,000 |
| Allowance for loan losses | 648,000 | 674,000 | 712,000 | 717,000 |
| Securities available for sale | 13,423,000 | 15,361,000 | 14,013,000 | 15,096,000 |
| Securities held to maturity | 1,046,000 | 840,000 | 833,000 | 726,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,142,000 | 68,600,000 | 68,653,000 | 76,213,000 |
| Interest-bearing deposits | 57,671,000 | 60,702,000 | 61,807,000 | 67,193,000 |
| Noninterest-bearing deposits | 8,471,000 | 7,898,000 | 6,846,000 | 9,020,000 |
| Equity capital | 5,386,000 | 5,281,000 | 5,711,000 | 5,490,000 |
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 | 1,057,000 | 2,160,000 | 3,334,000 | 4,533,000 |
| Interest expense | 344,000 | 690,000 | 1,065,000 | 1,475,000 |
| Net interest income | 713,000 | 1,470,000 | 2,269,000 | 3,058,000 |
| Noninterest income | 97,000 | 201,000 | 307,000 | 403,000 |
| Noninterest expense | 524,000 | 1,058,000 | 1,623,000 | 1,972,000 |
| Provision for loan losses | 23,000 | 53,000 | 90,000 | 113,000 |
| Pretax income | 280,000 | 596,000 | 930,000 | 1,457,000 |
| Income tax | 73,000 | 161,000 | 253,000 | 433,000 |
| Net income | 207,000 | 435,000 | 677,000 | 1,024,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,169,000 | 5,398,000 | 5,565,000 | 5,587,000 |
| Total capital | 5,817,000 | 6,072,000 | 6,277,000 | 6,304,000 |
| Risk-weighted assets | 54,160,000 | 60,284,000 | 62,222,000 | 58,744,000 |