Call reports 2004
CITIZENS BANK OF HIGGINSPORT, OHIO, THE — 2004
What CITIZENS BANK OF HIGGINSPORT, OHIO, THE 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 | 108,509,000 | 107,221,000 | 106,845,000 | 108,871,000 |
| Total loans | 67,871,000 | 70,843,000 | 71,443,000 | 72,563,000 |
| Allowance for loan losses | 643,000 | 687,000 | 758,000 | 757,000 |
| Securities available for sale | 5,655,000 | 6,856,000 | 6,557,000 | 6,008,000 |
| Securities held to maturity | 23,374,000 | 22,160,000 | 21,575,000 | 21,045,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,558,000 | 98,768,000 | 97,824,000 | 99,867,000 |
| Interest-bearing deposits | 90,872,000 | 90,138,000 | 90,670,000 | 91,795,000 |
| Noninterest-bearing deposits | 8,686,000 | 8,630,000 | 7,154,000 | 8,072,000 |
| Equity capital | 8,147,000 | 8,153,000 | 8,566,000 | 8,790,000 |
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 | 1,422,000 | 2,855,000 | 4,386,000 | 5,875,000 |
| Interest expense | 591,000 | 1,159,000 | 1,764,000 | 2,391,000 |
| Net interest income | 831,000 | 1,696,000 | 2,622,000 | 3,484,000 |
| Noninterest income | 62,000 | 123,000 | 190,000 | 252,000 |
| Noninterest expense | 515,000 | 1,059,000 | 1,606,000 | 2,137,000 |
| Provision for loan losses | 30,000 | 86,000 | 178,000 | 191,000 |
| Pretax income | 348,000 | 674,000 | 1,028,000 | 1,408,000 |
| Income tax | 83,000 | 168,000 | 252,000 | 360,000 |
| Net income | 265,000 | 506,000 | 776,000 | 1,048,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,037,000 | 8,258,000 | 8,513,000 | 8,770,000 |
| Total capital | 8,695,000 | 8,951,000 | 9,286,000 | 9,544,000 |
| Risk-weighted assets | 64,540,000 | 66,517,000 | 67,248,000 | 67,948,000 |
Machine access — free, no API key
Every figure shown here about CITIZENS BANK OF HIGGINSPORT, OHIO, THE — 2004 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.