Call reports 2011
CITIZENS NATIONAL BANK OF SOUTHWESTERN OHIO, THE — 2011
What CITIZENS NATIONAL BANK OF SOUTHWESTERN OHIO, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 120,792,000 | 117,312,000 | 116,347,000 | 114,223,000 |
| Total loans | 75,308,000 | 74,115,000 | 73,457,000 | 71,371,000 |
| Allowance for loan losses | 1,074,000 | 1,124,000 | 1,324,000 | 1,201,000 |
| Securities available for sale | 3,550,000 | 5,191,000 | 6,145,000 | 5,726,000 |
| Securities held to maturity | 15,399,000 | 12,149,000 | 9,849,000 | 7,851,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,187,000 | 106,425,000 | 107,131,000 | 104,825,000 |
| Interest-bearing deposits | 98,541,000 | 94,815,000 | 93,417,000 | 90,146,000 |
| Noninterest-bearing deposits | 11,646,000 | 11,610,000 | 13,714,000 | 14,679,000 |
| Equity capital | 10,364,000 | 10,613,000 | 8,907,000 | 9,078,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,360,000 | 2,737,000 | 4,091,000 | 5,390,000 |
| Interest expense | 327,000 | 642,000 | 900,000 | 1,110,000 |
| Net interest income | 1,033,000 | 2,095,000 | 3,191,000 | 4,280,000 |
| Noninterest income | 82,000 | 164,000 | 241,000 | 347,000 |
| Noninterest expense | 773,000 | 1,551,000 | 2,281,000 | 3,073,000 |
| Provision for loan losses | 90,000 | 185,000 | 424,000 | 714,000 |
| Pretax income | 252,000 | 523,000 | 819,000 | 932,000 |
| Income tax | 90,000 | 188,000 | 282,000 | 284,000 |
| Net income | 162,000 | 335,000 | 537,000 | 648,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,456,000 | 10,632,000 | 8,836,000 | 8,947,000 |
| Total capital | 11,503,000 | 11,649,000 | 9,801,000 | 9,884,000 |
| Risk-weighted assets | 83,746,000 | 81,217,000 | 76,813,000 | 74,723,000 |
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