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 | 38,682,000 | 38,666,000 | 38,485,000 | 38,626,000 |
| Total loans | 27,691,000 | 26,544,000 | 29,027,000 | 27,821,000 |
| Allowance for loan losses | 212,000 | 226,000 | 246,000 | 206,000 |
| Securities available for sale | 5,424,000 | 5,781,000 | 6,529,000 | 6,200,000 |
| Securities held to maturity | 26,000 | 20,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,744,000 | 34,626,000 | 34,352,000 | 34,738,000 |
| Interest-bearing deposits | 30,982,000 | 30,853,000 | 30,599,000 | 30,627,000 |
| Noninterest-bearing deposits | 3,762,000 | 3,773,000 | 3,753,000 | 4,111,000 |
| Equity capital | 3,785,000 | 3,883,000 | 3,734,000 | 3,758,000 |
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 | 500,000 | 1,023,000 | 1,552,000 | 2,100,000 |
| Interest expense | 177,000 | 341,000 | 489,000 | 620,000 |
| Net interest income | 323,000 | 682,000 | 1,063,000 | 1,480,000 |
| Noninterest income | 60,000 | 110,000 | 169,000 | 217,000 |
| Noninterest expense | 268,000 | 537,000 | 807,000 | 1,173,000 |
| Provision for loan losses | 18,000 | 51,000 | 117,000 | 122,000 |
| Pretax income | 97,000 | 204,000 | 308,000 | 402,000 |
| Income tax | -15,000 | -6,000 | 4,000 | 10,000 |
| Net income | 112,000 | 210,000 | 304,000 | 392,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,017,000 | 3,130,000 | 3,159,000 | 3,163,000 |
| Total capital | 3,229,000 | 3,356,000 | 3,405,000 | 3,369,000 |
| Risk-weighted assets | 29,134,000 | 28,381,000 | 29,884,000 | 29,290,000 |