Call reports 2009
CITIZENS NATIONAL BANK OF SOUTHWESTERN OHIO, THE — 2009
What CITIZENS NATIONAL BANK OF SOUTHWESTERN OHIO, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 95,877,000 | 103,034,000 | 103,315,000 | 102,549,000 |
| Total loans | 76,269,000 | 78,071,000 | 78,822,000 | 77,811,000 |
| Allowance for loan losses | 852,000 | 879,000 | 888,000 | 880,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,494,000 | 3,285,000 | 3,541,000 | 3,541,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,197,000 | 93,279,000 | 93,525,000 | 92,751,000 |
| Interest-bearing deposits | 75,549,000 | 82,277,000 | 82,364,000 | 81,149,000 |
| Noninterest-bearing deposits | 10,648,000 | 11,002,000 | 11,161,000 | 11,602,000 |
| Equity capital | 9,418,000 | 9,465,000 | 9,532,000 | 9,578,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,243,000 | 2,521,000 | 3,856,000 | 5,197,000 |
| Interest expense | 519,000 | 1,002,000 | 1,489,000 | 1,896,000 |
| Net interest income | 724,000 | 1,519,000 | 2,367,000 | 3,301,000 |
| Noninterest income | 109,000 | 220,000 | 324,000 | 410,000 |
| Noninterest expense | 691,000 | 1,447,000 | 2,154,000 | 2,836,000 |
| Provision for loan losses | 27,000 | 74,000 | 189,000 | 459,000 |
| Pretax income | 115,000 | 218,000 | 348,000 | 416,000 |
| Income tax | 63,000 | 121,000 | 186,000 | 210,000 |
| Net income | 52,000 | 97,000 | 162,000 | 206,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,418,000 | 9,465,000 | 9,532,000 | 9,578,000 |
| Total capital | 10,270,000 | 10,344,000 | 10,420,000 | 10,458,000 |
| Risk-weighted assets | 79,583,000 | 82,733,000 | 83,184,000 | 82,757,000 |
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