Call reports 2008
CITIZENS BANK OF HIGGINSPORT, OHIO, THE — 2008
What CITIZENS BANK OF HIGGINSPORT, OHIO, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 114,602,000 | 111,675,000 | 110,141,000 | 110,988,000 |
| Total loans | 74,196,000 | 75,897,000 | 76,022,000 | 74,637,000 |
| Allowance for loan losses | 757,000 | 790,000 | 823,000 | 768,000 |
| Securities available for sale | 9,994,000 | 11,600,000 | 11,701,000 | 9,309,000 |
| Securities held to maturity | 12,879,000 | 12,183,000 | 11,980,000 | 11,510,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,677,000 | 101,060,000 | 99,102,000 | 99,981,000 |
| Interest-bearing deposits | 95,795,000 | 92,719,000 | 91,696,000 | 92,028,000 |
| Noninterest-bearing deposits | 7,882,000 | 8,341,000 | 7,406,000 | 7,953,000 |
| Equity capital | 10,425,000 | 10,384,000 | 10,610,000 | 10,767,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,656,000 | 3,269,000 | 4,889,000 | 6,383,000 |
| Interest expense | 915,000 | 1,706,000 | 2,435,000 | 3,156,000 |
| Net interest income | 741,000 | 1,563,000 | 2,454,000 | 3,227,000 |
| Noninterest income | 107,000 | 221,000 | 342,000 | 464,000 |
| Noninterest expense | 730,000 | 1,475,000 | 2,250,000 | 2,964,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 88,000 | 249,000 | 456,000 | 607,000 |
| Income tax | 15,000 | 35,000 | 65,000 | 126,000 |
| Net income | 73,000 | 214,000 | 391,000 | 481,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,310,000 | 10,441,000 | 10,608,000 | 10,678,000 |
| Total capital | 11,090,000 | 11,249,000 | 11,449,000 | 11,455,000 |
| Risk-weighted assets | 71,216,000 | 72,968,000 | 72,443,000 | 71,421,000 |
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