Call reports 2003
CITIZENS BANK OF HIGGINSPORT, OHIO, THE — 2003
What CITIZENS BANK OF HIGGINSPORT, OHIO, THE 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 | 99,071,000 | 103,000,000 | 103,616,000 | 105,129,000 |
| Total loans | 62,517,000 | 64,580,000 | 65,786,000 | 66,985,000 |
| Allowance for loan losses | 483,000 | 483,000 | 592,000 | 628,000 |
| Securities available for sale | 0 | 0 | 1,516,000 | 3,515,000 |
| Securities held to maturity | 23,292,000 | 26,440,000 | 27,286,000 | 24,862,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,347,000 | 95,364,000 | 95,563,000 | 97,138,000 |
| Interest-bearing deposits | 83,857,000 | 86,632,000 | 86,634,000 | 87,556,000 |
| Noninterest-bearing deposits | 7,490,000 | 8,732,000 | 8,929,000 | 9,582,000 |
| Equity capital | 7,216,000 | 7,445,000 | 7,620,000 | 7,827,000 |
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 | 1,400,000 | 2,786,000 | 4,222,000 | 5,611,000 |
| Interest expense | 682,000 | 1,350,000 | 2,000,000 | 2,619,000 |
| Net interest income | 718,000 | 1,436,000 | 2,222,000 | 2,992,000 |
| Noninterest income | 53,000 | 125,000 | 194,000 | 255,000 |
| Noninterest expense | 500,000 | 941,000 | 1,375,000 | 1,839,000 |
| Provision for loan losses | 30,000 | 90,000 | 257,000 | 321,000 |
| Pretax income | 241,000 | 530,000 | 784,000 | 1,087,000 |
| Income tax | 54,000 | 115,000 | 188,000 | 291,000 |
| Net income | 187,000 | 415,000 | 596,000 | 796,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,198,000 | 7,427,000 | 7,608,000 | 7,793,000 |
| Total capital | 7,681,000 | 7,910,000 | 8,200,000 | 8,421,000 |
| Risk-weighted assets | 61,228,000 | 63,084,000 | 63,638,000 | 63,628,000 |
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