Call reports 2009
CITIZENS BANK OF HIGGINSPORT, OHIO, THE — 2009
What CITIZENS BANK OF HIGGINSPORT, OHIO, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 |
|---|---|---|
| Total assets | 113,867,000 | 114,087,000 |
| Total loans | 75,041,000 | 73,280,000 |
| Allowance for loan losses | 779,000 | 641,000 |
| Securities available for sale | 8,904,000 | 7,890,000 |
| Securities held to maturity | 9,504,000 | 8,536,000 |
| Trading assets | 0 | 0 |
| Total deposits | 102,669,000 | 103,078,000 |
| Interest-bearing deposits | 94,487,000 | 94,960,000 |
| Noninterest-bearing deposits | 8,182,000 | 8,118,000 |
| Equity capital | 10,812,000 | 10,790,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 |
|---|---|---|
| Interest income | 1,437,000 | 2,810,000 |
| Interest expense | 645,000 | 1,250,000 |
| Net interest income | 792,000 | 1,560,000 |
| Noninterest income | 107,000 | 212,000 |
| Noninterest expense | 738,000 | 1,443,000 |
| Provision for loan losses | 30,000 | 60,000 |
| Pretax income | 131,000 | 269,000 |
| Income tax | 37,000 | 69,000 |
| Net income | 94,000 | 200,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 |
|---|---|---|
| Tier 1 capital | 10,764,000 | 10,745,000 |
| Total capital | 11,547,000 | 11,394,000 |
| Risk-weighted assets | 72,634,000 | 71,253,000 |