Call reports 2007
CITIZENS BANK OF HIGGINSPORT, OHIO, THE — 2007
What CITIZENS BANK OF HIGGINSPORT, OHIO, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 117,940,000 | 117,511,000 | 112,780,000 | 113,781,000 |
| Total loans | 78,951,000 | 78,364,000 | 77,730,000 | 75,980,000 |
| Allowance for loan losses | 683,000 | 763,000 | 750,000 | 752,000 |
| Securities available for sale | 6,622,000 | 6,550,000 | 6,669,000 | 6,086,000 |
| Securities held to maturity | 21,755,000 | 21,589,000 | 20,801,000 | 19,241,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,380,000 | 107,188,000 | 102,058,000 | 103,195,000 |
| Interest-bearing deposits | 98,787,000 | 99,148,000 | 94,547,000 | 94,854,000 |
| Noninterest-bearing deposits | 8,593,000 | 8,040,000 | 7,511,000 | 8,341,000 |
| Equity capital | 10,001,000 | 10,042,000 | 10,167,000 | 10,309,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,712,000 | 3,505,000 | 5,192,000 | 6,881,000 |
| Interest expense | 1,011,000 | 2,049,000 | 3,060,000 | 4,031,000 |
| Net interest income | 701,000 | 1,456,000 | 2,132,000 | 2,850,000 |
| Noninterest income | 113,000 | 265,000 | 374,000 | 486,000 |
| Noninterest expense | 663,000 | 1,321,000 | 2,037,000 | 2,767,000 |
| Provision for loan losses | 0 | 90,000 | 90,000 | 90,000 |
| Pretax income | 151,000 | 310,000 | 379,000 | 479,000 |
| Income tax | 10,000 | 70,000 | 80,000 | 78,000 |
| Net income | 141,000 | 240,000 | 299,000 | 401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,014,000 | 10,106,000 | 10,155,000 | 10,248,000 |
| Total capital | 10,722,000 | 10,894,000 | 10,931,000 | 11,029,000 |
| Risk-weighted assets | 74,378,000 | 73,746,000 | 72,479,000 | 71,384,000 |