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 | 36,141,000 | 35,539,000 | 37,075,000 | 38,548,000 |
| Total loans | 25,091,000 | 27,194,000 | 28,305,000 | 27,508,000 |
| Allowance for loan losses | 196,000 | 216,000 | 227,000 | 204,000 |
| Securities available for sale | 6,526,000 | 5,904,000 | 5,767,000 | 5,051,000 |
| Securities held to maturity | 454,000 | 54,000 | 39,000 | 36,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,455,000 | 31,671,000 | 33,096,000 | 34,650,000 |
| Interest-bearing deposits | 28,488,000 | 28,017,000 | 29,561,000 | 30,051,000 |
| Noninterest-bearing deposits | 3,967,000 | 3,654,000 | 3,535,000 | 4,599,000 |
| Equity capital | 3,469,000 | 3,645,000 | 3,759,000 | 3,683,000 |
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 | 581,000 | 1,151,000 | 1,714,000 | 2,263,000 |
| Interest expense | 240,000 | 458,000 | 668,000 | 870,000 |
| Net interest income | 341,000 | 693,000 | 1,046,000 | 1,393,000 |
| Noninterest income | 46,000 | 91,000 | 143,000 | 192,000 |
| Noninterest expense | 244,000 | 522,000 | 791,000 | 1,081,000 |
| Provision for loan losses | 27,000 | 50,000 | 60,000 | 78,000 |
| Pretax income | 116,000 | 212,000 | 338,000 | 426,000 |
| Income tax | 41,000 | 49,000 | 58,000 | 64,000 |
| Net income | 75,000 | 163,000 | 280,000 | 362,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,782,000 | 2,885,000 | 2,943,000 | 2,890,000 |
| Total capital | 2,978,000 | 3,101,000 | 3,170,000 | 3,094,000 |
| Risk-weighted assets | 25,922,000 | 28,320,000 | 29,106,000 | 28,866,000 |