Call reports 2005
CITIZENS NATIONAL BANK OF QUITMAN, THE — 2005
What CITIZENS NATIONAL BANK OF QUITMAN, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 83,360,000 | 87,180,000 | 88,605,000 | 91,449,000 |
| Total loans | 58,915,000 | 62,802,000 | 64,361,000 | 61,199,000 |
| Allowance for loan losses | 710,000 | 711,000 | 694,000 | 694,000 |
| Securities available for sale | 16,029,000 | 15,942,000 | 14,990,000 | 16,710,000 |
| Securities held to maturity | 594,000 | 587,000 | 383,000 | 382,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,070,000 | 75,611,000 | 78,544,000 | 80,795,000 |
| Interest-bearing deposits | 64,397,000 | 68,196,000 | 69,972,000 | 70,802,000 |
| Noninterest-bearing deposits | 8,673,000 | 7,415,000 | 8,572,000 | 9,993,000 |
| Equity capital | 5,592,000 | 5,886,000 | 6,058,000 | 6,809,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,210,000 | 2,496,000 | 3,831,000 | 5,203,000 |
| Interest expense | 435,000 | 932,000 | 1,509,000 | 2,114,000 |
| Net interest income | 775,000 | 1,564,000 | 2,322,000 | 3,089,000 |
| Noninterest income | 99,000 | 192,000 | 298,000 | 394,000 |
| Noninterest expense | 530,000 | 1,058,000 | 1,574,000 | 2,108,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 329,000 | 672,000 | 1,004,000 | 1,318,000 |
| Income tax | 94,000 | 191,000 | 287,000 | 380,000 |
| Net income | 235,000 | 481,000 | 717,000 | 938,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,822,000 | 5,993,000 | 6,229,000 | 7,060,000 |
| Total capital | 6,532,000 | 6,704,000 | 6,923,000 | 7,754,000 |
| Risk-weighted assets | 58,464,000 | 61,399,000 | 63,019,000 | 63,821,000 |