Call reports 2002
CITIZENS NATIONAL BANK — 2002
What CITIZENS NATIONAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 378,648,000 | 383,225,000 | 389,938,000 | 401,718,000 |
| Total loans | 259,701,000 | 258,479,000 | 258,356,000 | 268,012,000 |
| Allowance for loan losses | 3,227,000 | 3,242,000 | 3,210,000 | 3,220,000 |
| Securities available for sale | 80,485,000 | 75,710,000 | 92,764,000 | 90,669,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 317,324,000 | 305,096,000 | 314,040,000 | 320,345,000 |
| Interest-bearing deposits | 279,149,000 | 261,182,000 | 269,244,000 | 276,652,000 |
| Noninterest-bearing deposits | 38,175,000 | 43,914,000 | 44,796,000 | 43,693,000 |
| Equity capital | 32,498,000 | 34,168,000 | 35,487,000 | 36,137,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 5,839,000 | 11,699,000 | 17,449,000 | 23,258,000 |
| Interest expense | 2,135,000 | 4,155,000 | 6,089,000 | 7,944,000 |
| Net interest income | 3,704,000 | 7,544,000 | 11,360,000 | 15,314,000 |
| Noninterest income | 866,000 | 1,806,000 | 2,853,000 | 3,982,000 |
| Noninterest expense | 2,703,000 | 5,441,000 | 8,228,000 | 11,209,000 |
| Provision for loan losses | 28,000 | 63,000 | 100,000 | 133,000 |
| Pretax income | 1,839,000 | 3,846,000 | 5,885,000 | 7,954,000 |
| Income tax | 134,000 | 270,000 | 355,000 | 440,000 |
| Net income | 1,705,000 | 3,576,000 | 5,530,000 | 7,514,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,393,000 | 31,928,000 | 32,644,000 | 33,395,000 |
| Total capital | 34,620,000 | 35,170,000 | 35,854,000 | 36,615,000 |
| Risk-weighted assets | 281,718,000 | 273,367,000 | 277,292,000 | 288,114,000 |