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 | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 406,572,000 | 425,959,000 | 420,738,000 | 431,827,000 |
| Total loans | 274,418,000 | 285,423,000 | 287,129,000 | 291,968,000 |
| Allowance for loan losses | 3,243,000 | 3,234,000 | 3,245,000 | 3,274,000 |
| Securities available for sale | 92,440,000 | 97,127,000 | 92,281,000 | 98,417,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 332,942,000 | 336,233,000 | 346,448,000 | 347,833,000 |
| Interest-bearing deposits | 291,091,000 | 287,106,000 | 290,862,000 | 300,735,000 |
| Noninterest-bearing deposits | 41,851,000 | 49,127,000 | 55,586,000 | 47,098,000 |
| Equity capital | 36,300,000 | 37,092,000 | 36,232,000 | 36,033,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 5,596,000 | 11,031,000 | 16,242,000 | 21,532,000 |
| Interest expense | 1,720,000 | 3,423,000 | 4,965,000 | 6,449,000 |
| Net interest income | 3,876,000 | 7,608,000 | 11,277,000 | 15,083,000 |
| Noninterest income | 969,000 | 2,072,000 | 3,335,000 | 4,479,000 |
| Noninterest expense | 2,962,000 | 5,880,000 | 8,963,000 | 12,131,000 |
| Provision for loan losses | 41,000 | 90,000 | 140,000 | 192,000 |
| Pretax income | 1,842,000 | 3,710,000 | 5,536,000 | 7,212,000 |
| Income tax | 75,000 | 175,000 | 356,000 | 489,000 |
| Net income | 1,767,000 | 3,535,000 | 5,180,000 | 6,723,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,788,000 | 34,180,000 | 34,587,000 | 34,232,000 |
| Total capital | 37,031,000 | 37,414,000 | 37,832,000 | 37,506,000 |
| Risk-weighted assets | 299,657,000 | 311,483,000 | 314,951,000 | 324,091,000 |