Call reports 2006
CITIZENS BANK OF HIGGINSPORT, OHIO, THE — 2006
What CITIZENS BANK OF HIGGINSPORT, OHIO, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 114,307,000 | 114,692,000 | 115,134,000 | 116,221,000 |
| Total loans | 76,186,000 | 77,498,000 | 77,790,000 | 79,167,000 |
| Allowance for loan losses | 690,000 | 716,000 | 723,000 | 689,000 |
| Securities available for sale | 6,359,000 | 6,414,000 | 6,584,000 | 6,593,000 |
| Securities held to maturity | 23,427,000 | 22,676,000 | 22,661,000 | 21,759,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,864,000 | 104,404,000 | 104,344,000 | 106,085,000 |
| Interest-bearing deposits | 94,556,000 | 96,801,000 | 97,130,000 | 97,528,000 |
| Noninterest-bearing deposits | 9,308,000 | 7,603,000 | 7,214,000 | 8,557,000 |
| Equity capital | 9,438,000 | 9,551,000 | 9,758,000 | 9,853,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,613,000 | 3,287,000 | 5,019,000 | 6,692,000 |
| Interest expense | 843,000 | 1,767,000 | 2,755,000 | 3,772,000 |
| Net interest income | 770,000 | 1,520,000 | 2,264,000 | 2,920,000 |
| Noninterest income | 125,000 | 251,000 | 360,000 | 462,000 |
| Noninterest expense | 618,000 | 1,235,000 | 1,926,000 | 2,588,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 277,000 | 536,000 | 698,000 | 794,000 |
| Income tax | 67,000 | 132,000 | 186,000 | 181,000 |
| Net income | 210,000 | 404,000 | 512,000 | 613,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,518,000 | 9,700,000 | 9,796,000 | 9,885,000 |
| Total capital | 10,229,000 | 10,439,000 | 10,542,000 | 10,599,000 |
| Risk-weighted assets | 71,380,000 | 72,280,000 | 72,755,000 | 71,789,000 |
Machine access — free, no API key
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