Call reports 2002
CITIZENS BANK OF HIGGINSPORT, OHIO, THE — 2002
What CITIZENS BANK OF HIGGINSPORT, OHIO, THE 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 | 85,129,000 | 87,095,000 | 90,880,000 | 95,912,000 |
| Total loans | 58,001,000 | 60,792,000 | 61,860,000 | 61,770,000 |
| Allowance for loan losses | 409,000 | 412,000 | 438,000 | 456,000 |
| Securities available for sale | 1,824,000 | 1,825,000 | 1,309,000 | 0 |
| Securities held to maturity | 16,318,000 | 16,127,000 | 17,323,000 | 20,405,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,192,000 | 80,216,000 | 83,586,000 | 88,629,000 |
| Interest-bearing deposits | 72,095,000 | 73,123,000 | 76,988,000 | 79,545,000 |
| Noninterest-bearing deposits | 6,097,000 | 7,093,000 | 6,598,000 | 9,084,000 |
| Equity capital | 6,471,000 | 6,665,000 | 6,843,000 | 7,045,000 |
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 | 1,356,000 | 2,769,000 | 4,203,000 | 5,624,000 |
| Interest expense | 748,000 | 1,506,000 | 2,265,000 | 2,995,000 |
| Net interest income | 608,000 | 1,263,000 | 1,938,000 | 2,629,000 |
| Noninterest income | 58,000 | 121,000 | 185,000 | 255,000 |
| Noninterest expense | 459,000 | 905,000 | 1,314,000 | 1,706,000 |
| Provision for loan losses | 0 | 0 | 40,000 | 70,000 |
| Pretax income | 207,000 | 479,000 | 769,000 | 1,109,000 |
| Income tax | 43,000 | 121,000 | 185,000 | 279,000 |
| Net income | 164,000 | 358,000 | 584,000 | 830,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,455,000 | 6,649,000 | 6,837,000 | 7,027,000 |
| Total capital | 6,864,000 | 7,061,000 | 7,275,000 | 7,483,000 |
| Risk-weighted assets | 54,262,000 | 56,966,000 | 58,831,000 | 60,147,000 |