Call reports 2014
CITIZENS NATIONAL BANK OF SOUTHWESTERN OHIO, THE — 2014
What CITIZENS NATIONAL BANK OF SOUTHWESTERN OHIO, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 102,944,000 | 104,786,000 | 106,748,000 | 102,645,000 |
| Total loans | 75,509,000 | 75,754,000 | 77,909,000 | 77,823,000 |
| Allowance for loan losses | 1,286,000 | 1,296,000 | 1,292,000 | 1,297,000 |
| Securities available for sale | 8,593,000 | 8,449,000 | 7,930,000 | 7,914,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,641,000 | 92,990,000 | 94,776,000 | 90,728,000 |
| Interest-bearing deposits | 75,724,000 | 75,737,000 | 77,751,000 | 72,254,000 |
| Noninterest-bearing deposits | 15,917,000 | 17,253,000 | 17,025,000 | 18,474,000 |
| Equity capital | 11,129,000 | 11,464,000 | 11,621,000 | 11,567,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,150,000 | 2,327,000 | 3,477,000 | 4,626,000 |
| Interest expense | 87,000 | 172,000 | 252,000 | 336,000 |
| Net interest income | 1,063,000 | 2,155,000 | 3,225,000 | 4,290,000 |
| Noninterest income | 93,000 | 166,000 | 253,000 | 322,000 |
| Noninterest expense | 833,000 | 1,660,000 | 2,474,000 | 3,407,000 |
| Provision for loan losses | 20,000 | 30,000 | 35,000 | 35,000 |
| Pretax income | 303,000 | 751,000 | 1,089,000 | 1,290,000 |
| Income tax | 98,000 | 246,000 | 359,000 | 426,000 |
| Net income | 205,000 | 505,000 | 730,000 | 864,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,941,000 | 11,243,000 | 11,401,000 | 11,346,000 |
| Total capital | 11,898,000 | 12,212,000 | 12,392,000 | 12,326,000 |
| Risk-weighted assets | 76,198,000 | 77,217,000 | 78,998,000 | 78,072,000 |
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