Call reports 2008
CITIZENS NATIONAL BANK OF SOUTHWESTERN OHIO, THE — 2008
What CITIZENS NATIONAL BANK OF SOUTHWESTERN OHIO, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 95,799,000 | 100,990,000 | 96,117,000 | 100,249,000 |
| Total loans | 76,709,000 | 76,479,000 | 78,871,000 | 78,040,000 |
| Allowance for loan losses | 859,000 | 876,000 | 895,000 | 825,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,446,000 | 4,257,000 | 3,757,000 | 3,994,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,950,000 | 93,056,000 | 88,066,000 | 92,125,000 |
| Interest-bearing deposits | 78,308,000 | 82,825,000 | 77,764,000 | 79,847,000 |
| Noninterest-bearing deposits | 9,642,000 | 10,231,000 | 10,302,000 | 12,278,000 |
| Equity capital | 7,625,000 | 7,679,000 | 7,755,000 | 7,764,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,412,000 | 2,762,000 | 4,145,000 | 5,453,000 |
| Interest expense | 709,000 | 1,333,000 | 1,970,000 | 2,564,000 |
| Net interest income | 703,000 | 1,429,000 | 2,175,000 | 2,889,000 |
| Noninterest income | 122,000 | 225,000 | 334,000 | 428,000 |
| Noninterest expense | 706,000 | 1,405,000 | 2,107,000 | 2,849,000 |
| Provision for loan losses | 22,000 | 38,000 | 52,000 | 102,000 |
| Pretax income | 97,000 | 211,000 | 356,000 | 372,000 |
| Income tax | 58,000 | 118,000 | 187,000 | 194,000 |
| Net income | 39,000 | 93,000 | 169,000 | 178,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,625,000 | 7,679,000 | 7,755,000 | 7,764,000 |
| Total capital | 8,484,000 | 8,555,000 | 8,650,000 | 8,589,000 |
| Risk-weighted assets | 78,254,000 | 80,291,000 | 80,182,000 | 81,397,000 |
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