Call reports 2007
CITIZENS NATIONAL BANK OF SOUTHWESTERN OHIO, THE — 2007
What CITIZENS NATIONAL BANK OF SOUTHWESTERN OHIO, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 79,671,000 | 86,851,000 | 86,286,000 | 92,706,000 |
| Total loans | 67,457,000 | 69,178,000 | 68,957,000 | 72,211,000 |
| Allowance for loan losses | 811,000 | 812,000 | 810,000 | 842,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,849,000 | 1,849,000 | 2,346,000 | 2,446,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,076,000 | 79,164,000 | 78,504,000 | 84,814,000 |
| Interest-bearing deposits | 63,669,000 | 70,027,000 | 70,538,000 | 75,052,000 |
| Noninterest-bearing deposits | 8,407,000 | 9,136,000 | 7,966,000 | 9,763,000 |
| Equity capital | 7,377,000 | 7,444,000 | 7,510,000 | 7,586,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,308,000 | 2,673,000 | 4,079,000 | 5,507,000 |
| Interest expense | 625,000 | 1,290,000 | 1,991,000 | 2,723,000 |
| Net interest income | 683,000 | 1,383,000 | 2,088,000 | 2,784,000 |
| Noninterest income | 121,000 | 236,000 | 352,000 | 454,000 |
| Noninterest expense | 629,000 | 1,294,000 | 1,972,000 | 2,616,000 |
| Provision for loan losses | 2,000 | 17,000 | 29,000 | 72,000 |
| Pretax income | 173,000 | 308,000 | 439,000 | 550,000 |
| Income tax | 81,000 | 149,000 | 214,000 | 249,000 |
| Net income | 92,000 | 159,000 | 225,000 | 301,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,377,000 | 7,444,000 | 7,510,000 | 7,586,000 |
| Total capital | 8,188,000 | 8,256,000 | 8,320,000 | 8,428,000 |
| Risk-weighted assets | 66,345,000 | 68,790,000 | 70,344,000 | 74,311,000 |
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