Call reports 2005
CITIZENS NATIONAL BANK OF SOUTHWESTERN OHIO, THE — 2005
What CITIZENS NATIONAL BANK OF SOUTHWESTERN OHIO, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 79,418,000 | 85,621,000 | 84,511,000 | 82,688,000 |
| Total loans | 67,929,000 | 66,049,000 | 66,057,000 | 64,545,000 |
| Allowance for loan losses | 684,000 | 684,000 | 692,000 | 775,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,345,000 | 1,844,000 | 1,547,000 | 1,547,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,050,000 | 79,071,000 | 77,689,000 | 75,794,000 |
| Interest-bearing deposits | 65,693,000 | 70,606,000 | 69,451,000 | 67,399,000 |
| Noninterest-bearing deposits | 7,357,000 | 8,465,000 | 8,238,000 | 8,395,000 |
| Equity capital | 6,133,000 | 6,339,000 | 6,476,000 | 6,561,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,123,000 | 2,322,000 | 3,541,000 | 4,795,000 |
| Interest expense | 401,000 | 862,000 | 1,344,000 | 1,874,000 |
| Net interest income | 722,000 | 1,460,000 | 2,197,000 | 2,921,000 |
| Noninterest income | 90,000 | 169,000 | 263,000 | 367,000 |
| Noninterest expense | 541,000 | 1,126,000 | 1,738,000 | 2,377,000 |
| Provision for loan losses | 15,000 | 15,000 | 74,000 | 174,000 |
| Pretax income | 256,000 | 488,000 | 648,000 | 737,000 |
| Income tax | 24,000 | 49,000 | 73,000 | 77,000 |
| Net income | 232,000 | 439,000 | 575,000 | 660,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,133,000 | 6,339,000 | 6,476,000 | 6,561,000 |
| Total capital | 6,817,000 | 7,023,000 | 7,168,000 | 7,336,000 |
| Risk-weighted assets | 65,528,000 | 65,825,000 | 65,177,000 | 63,336,000 |
Machine access — free, no API key
Every figure shown here about CITIZENS NATIONAL BANK OF SOUTHWESTERN OHIO, THE — 2005 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.