Call reports 2005
CITIZENS BANK OF HIGGINSPORT, OHIO, THE — 2005
What CITIZENS BANK OF HIGGINSPORT, OHIO, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 111,099,000 | 108,755,000 | 109,919,000 | 112,021,000 |
| Total loans | 72,335,000 | 72,834,000 | 73,946,000 | 75,612,000 |
| Allowance for loan losses | 757,000 | 742,000 | 739,000 | 690,000 |
| Securities available for sale | 5,892,000 | 6,038,000 | 5,969,000 | 6,415,000 |
| Securities held to maturity | 23,261,000 | 22,945,000 | 23,527,000 | 23,429,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,676,000 | 99,342,000 | 99,517,000 | 101,698,000 |
| Interest-bearing deposits | 92,106,000 | 92,168,000 | 91,939,000 | 93,770,000 |
| Noninterest-bearing deposits | 9,570,000 | 7,174,000 | 7,578,000 | 7,928,000 |
| Equity capital | 8,936,000 | 9,219,000 | 9,438,000 | 9,585,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,512,000 | 3,049,000 | 4,593,000 | 6,209,000 |
| Interest expense | 634,000 | 1,288,000 | 2,009,000 | 2,817,000 |
| Net interest income | 878,000 | 1,761,000 | 2,584,000 | 3,392,000 |
| Noninterest income | 63,000 | 154,000 | 284,000 | 412,000 |
| Noninterest expense | 575,000 | 1,159,000 | 1,723,000 | 2,403,000 |
| Provision for loan losses | 0 | 0 | 0 | 3,000 |
| Pretax income | 366,000 | 756,000 | 1,145,000 | 1,398,000 |
| Income tax | 100,000 | 204,000 | 315,000 | 367,000 |
| Net income | 266,000 | 552,000 | 830,000 | 1,031,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,021,000 | 9,179,000 | 9,447,000 | 9,628,000 |
| Total capital | 9,794,000 | 9,939,000 | 10,206,000 | 10,338,000 |
| Risk-weighted assets | 68,434,000 | 67,743,000 | 68,502,000 | 69,860,000 |