Call reports 2010
CITIZENS NATIONAL BANK OF SOUTHWESTERN OHIO, THE — 2010
What CITIZENS NATIONAL BANK OF SOUTHWESTERN OHIO, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 102,327,000 | 118,118,000 | 124,284,000 | 122,428,000 |
| Total loans | 78,214,000 | 79,737,000 | 82,090,000 | 77,737,000 |
| Allowance for loan losses | 872,000 | 951,000 | 1,012,000 | 1,131,000 |
| Securities available for sale | 0 | 0 | 1,895,000 | 3,514,000 |
| Securities held to maturity | 5,294,000 | 10,309,000 | 16,899,000 | 15,692,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,344,000 | 107,862,000 | 113,715,000 | 111,748,000 |
| Interest-bearing deposits | 81,035,000 | 95,730,000 | 101,574,000 | 100,071,000 |
| Noninterest-bearing deposits | 11,309,000 | 12,132,000 | 12,141,000 | 11,677,000 |
| Equity capital | 9,721,000 | 9,882,000 | 10,081,000 | 10,176,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,309,000 | 2,683,000 | 4,157,000 | 5,649,000 |
| Interest expense | 356,000 | 734,000 | 1,109,000 | 1,466,000 |
| Net interest income | 953,000 | 1,949,000 | 3,048,000 | 4,183,000 |
| Noninterest income | 96,000 | 185,000 | 299,000 | 422,000 |
| Noninterest expense | 729,000 | 1,458,000 | 2,180,000 | 2,845,000 |
| Provision for loan losses | 58,000 | 133,000 | 260,000 | 560,000 |
| Pretax income | 262,000 | 543,000 | 907,000 | 1,200,000 |
| Income tax | 120,000 | 243,000 | 391,000 | 492,000 |
| Net income | 142,000 | 300,000 | 516,000 | 708,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,721,000 | 9,882,000 | 10,099,000 | 10,293,000 |
| Total capital | 10,593,000 | 10,833,000 | 11,111,000 | 11,364,000 |
| Risk-weighted assets | 83,761,000 | 87,293,000 | 88,329,000 | 85,616,000 |
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