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 | 37,979,000 | 36,879,000 | 36,639,000 | 38,132,000 |
| Total loans | 28,320,000 | 26,509,000 | 27,292,000 | 29,992,000 |
| Allowance for loan losses | 214,000 | 212,000 | 222,000 | 209,000 |
| Securities available for sale | 5,725,000 | 5,382,000 | 5,855,000 | 5,256,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,932,000 | 32,843,000 | 32,637,000 | 34,192,000 |
| Interest-bearing deposits | 29,650,000 | 28,072,000 | 27,851,000 | 28,821,000 |
| Noninterest-bearing deposits | 4,282,000 | 4,771,000 | 4,786,000 | 5,370,000 |
| Equity capital | 3,929,000 | 3,924,000 | 3,889,000 | 3,831,000 |
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 | 492,000 | 969,000 | 1,455,000 | 1,966,000 |
| Interest expense | 122,000 | 236,000 | 347,000 | 470,000 |
| Net interest income | 370,000 | 733,000 | 1,108,000 | 1,496,000 |
| Noninterest income | 51,000 | 100,000 | 154,000 | 202,000 |
| Noninterest expense | 271,000 | 548,000 | 821,000 | 1,115,000 |
| Provision for loan losses | 13,000 | 13,000 | 21,000 | 33,000 |
| Pretax income | 137,000 | 272,000 | 420,000 | 550,000 |
| Income tax | 0 | 8,000 | 18,000 | 26,000 |
| Net income | 137,000 | 264,000 | 402,000 | 524,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,315,000 | 3,457,000 | 3,360,000 | 3,362,000 |
| Total capital | 3,529,000 | 3,669,000 | 3,582,000 | 3,571,000 |
| Risk-weighted assets | 29,289,000 | 27,627,000 | 28,189,000 | 30,538,000 |