Call reports 2013
CITIZENS NATIONAL BANK OF SOUTHWESTERN OHIO, THE — 2013
What CITIZENS NATIONAL BANK OF SOUTHWESTERN OHIO, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 104,881,000 | 104,799,000 | 102,085,000 | 101,764,000 |
| Total loans | 71,711,000 | 71,726,000 | 75,264,000 | 76,645,000 |
| Allowance for loan losses | 1,294,000 | 1,278,000 | 1,288,000 | 1,289,000 |
| Securities available for sale | 11,733,000 | 11,772,000 | 8,410,000 | 8,469,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,102,000 | 93,919,000 | 90,969,000 | 90,527,000 |
| Interest-bearing deposits | 79,754,000 | 77,761,000 | 75,084,000 | 74,453,000 |
| Noninterest-bearing deposits | 14,348,000 | 16,158,000 | 15,885,000 | 16,074,000 |
| Equity capital | 10,613,000 | 10,588,000 | 10,742,000 | 10,833,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,196,000 | 2,402,000 | 3,585,000 | 4,787,000 |
| Interest expense | 96,000 | 189,000 | 282,000 | 373,000 |
| Net interest income | 1,100,000 | 2,213,000 | 3,303,000 | 4,414,000 |
| Noninterest income | 90,000 | 184,000 | 256,000 | 329,000 |
| Noninterest expense | 856,000 | 1,668,000 | 2,496,000 | 3,280,000 |
| Provision for loan losses | 45,000 | 60,000 | 80,000 | 80,000 |
| Pretax income | 329,000 | 709,000 | 1,097,000 | 1,497,000 |
| Income tax | 107,000 | 230,000 | 354,000 | 478,000 |
| Net income | 222,000 | 479,000 | 743,000 | 1,019,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,090,000 | 10,347,000 | 10,612,000 | 10,737,000 |
| Total capital | 11,031,000 | 11,279,000 | 11,611,000 | 11,700,000 |
| Risk-weighted assets | 74,895,000 | 74,239,000 | 79,645,000 | 76,734,000 |