Call reports 2001
CITIZENS BANK OF HIGGINSPORT, OHIO, THE — 2001
What CITIZENS BANK OF HIGGINSPORT, OHIO, THE 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 | 73,095,000 | 75,953,000 | 80,852,000 | 81,161,000 |
| Total loans | 50,029,000 | 52,929,000 | 54,437,000 | 56,563,000 |
| Allowance for loan losses | 392,000 | 397,000 | 398,000 | 408,000 |
| Securities available for sale | 3,440,000 | 1,661,000 | 2,354,000 | 1,848,000 |
| Securities held to maturity | 8,066,000 | 11,284,000 | 14,884,000 | 16,085,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,704,000 | 69,719,000 | 74,190,000 | 74,573,000 |
| Interest-bearing deposits | 61,429,000 | 64,182,000 | 68,562,000 | 67,515,000 |
| Noninterest-bearing deposits | 5,275,000 | 5,537,000 | 5,628,000 | 7,058,000 |
| Equity capital | 5,836,000 | 5,971,000 | 6,127,000 | 6,336,000 |
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 | 1,373,000 | 2,802,000 | 4,258,000 | 5,717,000 |
| Interest expense | 861,000 | 1,733,000 | 2,633,000 | 3,465,000 |
| Net interest income | 512,000 | 1,069,000 | 1,625,000 | 2,252,000 |
| Noninterest income | 55,000 | 133,000 | 200,000 | 267,000 |
| Noninterest expense | 448,000 | 849,000 | 1,280,000 | 1,683,000 |
| Provision for loan losses | 0 | 20,000 | 20,000 | 40,000 |
| Pretax income | 119,000 | 333,000 | 518,000 | 789,000 |
| Income tax | 23,000 | 95,000 | 125,000 | 183,000 |
| Net income | 96,000 | 238,000 | 393,000 | 606,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,816,000 | 5,936,000 | 6,091,000 | 6,305,000 |
| Total capital | 6,208,000 | 6,333,000 | 6,489,000 | 6,713,000 |
| Risk-weighted assets | 47,073,000 | 50,465,000 | 52,867,000 | 53,424,000 |