Call reports 2006
CITIZENS NATIONAL BANK OF SOUTHWESTERN OHIO, THE — 2006
What CITIZENS NATIONAL BANK OF SOUTHWESTERN OHIO, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 78,165,000 | 78,501,000 | 82,535,000 | 83,245,000 |
| Total loans | 64,217,000 | 66,295,000 | 67,999,000 | 67,632,000 |
| Allowance for loan losses | 775,000 | 775,000 | 785,000 | 809,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,547,000 | 1,547,000 | 1,548,000 | 1,849,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,270,000 | 71,383,000 | 75,086,000 | 75,551,000 |
| Interest-bearing deposits | 63,430,000 | 63,279,000 | 67,185,000 | 66,983,000 |
| Noninterest-bearing deposits | 7,840,000 | 8,103,000 | 7,901,000 | 8,568,000 |
| Equity capital | 6,727,000 | 6,908,000 | 7,099,000 | 7,285,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,243,000 | 2,505,000 | 3,861,000 | 5,212,000 |
| Interest expense | 530,000 | 1,091,000 | 1,729,000 | 2,380,000 |
| Net interest income | 713,000 | 1,414,000 | 2,132,000 | 2,832,000 |
| Noninterest income | 96,000 | 190,000 | 284,000 | 410,000 |
| Noninterest expense | 611,000 | 1,195,000 | 1,833,000 | 2,390,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 42,000 |
| Pretax income | 198,000 | 409,000 | 573,000 | 810,000 |
| Income tax | 32,000 | 62,000 | 35,000 | 86,000 |
| Net income | 166,000 | 347,000 | 538,000 | 724,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,727,000 | 6,908,000 | 7,099,000 | 7,285,000 |
| Total capital | 7,497,000 | 7,683,000 | 7,884,000 | 8,094,000 |
| Risk-weighted assets | 61,611,000 | 64,052,000 | 64,995,000 | 65,345,000 |
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