Call reports 2012
CITIZENS NATIONAL BANK OF SOUTHWESTERN OHIO, THE — 2012
What CITIZENS NATIONAL BANK OF SOUTHWESTERN OHIO, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 113,954,000 | 107,406,000 | 103,606,000 | 107,504,000 |
| Total loans | 70,957,000 | 71,306,000 | 72,581,000 | 71,585,000 |
| Allowance for loan losses | 1,218,000 | 1,080,000 | 1,178,000 | 1,242,000 |
| Securities available for sale | 6,345,000 | 12,834,000 | 13,019,000 | 12,978,000 |
| Securities held to maturity | 7,851,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,432,000 | 97,131,000 | 92,943,000 | 96,621,000 |
| Interest-bearing deposits | 88,658,000 | 80,027,000 | 78,152,000 | 80,867,000 |
| Noninterest-bearing deposits | 15,774,000 | 17,104,000 | 14,791,000 | 15,754,000 |
| Equity capital | 9,302,000 | 9,954,000 | 10,350,000 | 10,539,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,258,000 | 2,473,000 | 3,686,000 | 4,928,000 |
| Interest expense | 178,000 | 320,000 | 434,000 | 534,000 |
| Net interest income | 1,080,000 | 2,153,000 | 3,252,000 | 4,394,000 |
| Noninterest income | 115,000 | 192,000 | 325,000 | 440,000 |
| Noninterest expense | 766,000 | 1,566,000 | 2,331,000 | 3,112,000 |
| Provision for loan losses | 90,000 | 165,000 | 250,000 | 352,000 |
| Pretax income | 339,000 | 675,000 | 1,057,000 | 1,431,000 |
| Income tax | 107,000 | 209,000 | 324,000 | 415,000 |
| Net income | 232,000 | 466,000 | 733,000 | 1,016,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,161,000 | 9,395,000 | 9,662,000 | 9,870,000 |
| Total capital | 10,114,000 | 10,336,000 | 10,608,000 | 10,809,000 |
| Risk-weighted assets | 75,958,000 | 75,161,000 | 75,426,000 | 74,781,000 |