Call reports 2001
CITIZENS NATIONAL BANK — 2001
What CITIZENS NATIONAL BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 29,581,000 | 29,173,000 | 36,122,000 | 36,102,000 |
| Total loans | 21,073,000 | 21,580,000 | 23,405,000 | 25,532,000 |
| Allowance for loan losses | 192,000 | 194,000 | 183,000 | 174,000 |
| Securities available for sale | 2,471,000 | 2,779,000 | 6,144,000 | 6,576,000 |
| Securities held to maturity | 2,862,000 | 2,202,000 | 1,376,000 | 756,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,020,000 | 25,484,000 | 32,202,000 | 32,428,000 |
| Interest-bearing deposits | 22,984,000 | 22,032,000 | 28,402,000 | 28,514,000 |
| Noninterest-bearing deposits | 3,036,000 | 3,452,000 | 3,800,000 | 3,914,000 |
| Equity capital | 3,292,000 | 3,433,000 | 3,618,000 | 3,441,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 592,000 | 1,144,000 | 1,719,000 | 2,326,000 |
| Interest expense | 300,000 | 572,000 | 854,000 | 1,139,000 |
| Net interest income | 292,000 | 572,000 | 865,000 | 1,187,000 |
| Noninterest income | 35,000 | 78,000 | 124,000 | 175,000 |
| Noninterest expense | 170,000 | 348,000 | 584,000 | 848,000 |
| Provision for loan losses | 0 | 0 | 0 | 17,000 |
| Pretax income | 160,000 | 305,000 | 408,000 | 500,000 |
| Income tax | -28,000 | -18,000 | -12,000 | -6,000 |
| Net income | 188,000 | 323,000 | 420,000 | 506,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,922,000 | 3,066,000 | 2,787,000 | 2,688,000 |
| Total capital | 3,114,000 | 3,260,000 | 2,970,000 | 2,862,000 |
| Risk-weighted assets | 23,137,000 | 23,351,000 | 24,737,000 | 27,273,000 |