Call reports 2004
CITIZENS NATIONAL BANK OF SOUTHWESTERN OHIO, THE — 2004
What CITIZENS NATIONAL BANK OF SOUTHWESTERN OHIO, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 72,721,000 | 74,854,000 | 75,087,000 | 78,129,000 |
| Total loans | 54,862,000 | 61,049,000 | 65,384,000 | 66,675,000 |
| Allowance for loan losses | 663,000 | 664,000 | 660,000 | 669,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,147,000 | 1,645,000 | 1,395,000 | 1,345,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,814,000 | 68,819,000 | 68,820,000 | 71,711,000 |
| Interest-bearing deposits | 54,721,000 | 56,748,000 | 59,085,000 | 63,015,000 |
| Noninterest-bearing deposits | 12,093,000 | 12,071,000 | 9,735,000 | 8,696,000 |
| Equity capital | 5,561,000 | 5,619,000 | 5,779,000 | 5,901,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 880,000 | 1,812,000 | 2,832,000 | 3,944,000 |
| Interest expense | 306,000 | 629,000 | 974,000 | 1,348,000 |
| Net interest income | 574,000 | 1,183,000 | 1,858,000 | 2,596,000 |
| Noninterest income | 129,000 | 180,000 | 283,000 | 371,000 |
| Noninterest expense | 597,000 | 1,174,000 | 1,766,000 | 2,296,000 |
| Provision for loan losses | 0 | 0 | 0 | 150,000 |
| Pretax income | 106,000 | 189,000 | 375,000 | 521,000 |
| Income tax | 20,000 | 45,000 | 70,000 | 95,000 |
| Net income | 86,000 | 144,000 | 305,000 | 426,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,561,000 | 5,619,000 | 5,779,000 | 5,901,000 |
| Total capital | 6,208,000 | 6,283,000 | 6,439,000 | 6,570,000 |
| Risk-weighted assets | 51,775,000 | 58,255,000 | 64,051,000 | 65,243,000 |
Machine access — free, no API key
Every figure shown here about CITIZENS NATIONAL BANK OF SOUTHWESTERN OHIO, THE — 2004 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts, and since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.