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 | 437,724,000 | 456,464,000 | 464,361,000 | 472,260,000 |
| Total loans | 303,565,000 | 321,201,000 | 326,900,000 | 319,647,000 |
| Allowance for loan losses | 3,289,000 | 3,336,000 | 3,376,000 | 3,394,000 |
| Securities available for sale | 93,640,000 | 97,660,000 | 98,075,000 | 100,595,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 358,389,000 | 364,872,000 | 363,566,000 | 363,079,000 |
| Interest-bearing deposits | 312,789,000 | 313,148,000 | 310,679,000 | 309,478,000 |
| Noninterest-bearing deposits | 45,600,000 | 51,724,000 | 52,887,000 | 53,601,000 |
| Equity capital | 37,097,000 | 35,103,000 | 37,269,000 | 37,538,000 |
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 | 5,434,000 | 10,901,000 | 16,772,000 | 22,705,000 |
| Interest expense | 1,495,000 | 3,002,000 | 4,646,000 | 6,388,000 |
| Net interest income | 3,939,000 | 7,899,000 | 12,126,000 | 16,317,000 |
| Noninterest income | 998,000 | 2,117,000 | 3,225,000 | 4,303,000 |
| Noninterest expense | 3,143,000 | 6,398,000 | 9,759,000 | 13,087,000 |
| Provision for loan losses | 56,000 | 117,000 | 176,000 | 211,000 |
| Pretax income | 1,799,000 | 3,562,000 | 5,477,000 | 7,547,000 |
| Income tax | 90,000 | 220,000 | 361,000 | 446,000 |
| Net income | 1,709,000 | 3,342,000 | 5,116,000 | 7,101,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,773,000 | 35,238,000 | 35,982,000 | 36,937,000 |
| Total capital | 38,062,000 | 38,574,000 | 39,358,000 | 40,331,000 |
| Risk-weighted assets | 333,126,000 | 357,119,000 | 358,911,000 | 353,125,000 |