Call reports 2005
CITIZENS NATIONAL BANK OF AKRON, THE — 2005
What CITIZENS NATIONAL BANK OF AKRON, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 43,868,000 | 44,402,000 | 45,128,000 | 45,824,000 |
| Total loans | 23,190,000 | 24,400,000 | 24,904,000 | 25,699,000 |
| Allowance for loan losses | 388,000 | 391,000 | 391,000 | 392,000 |
| Securities available for sale | 18,756,000 | 17,877,000 | 16,769,000 | 17,329,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,581,000 | 33,900,000 | 34,548,000 | 35,332,000 |
| Interest-bearing deposits | 27,624,000 | 28,724,000 | 28,850,000 | 27,846,000 |
| Noninterest-bearing deposits | 5,957,000 | 5,176,000 | 5,698,000 | 7,486,000 |
| Equity capital | 7,720,000 | 7,835,000 | 7,824,000 | 7,747,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 508,000 | 1,036,000 | 1,582,000 | 2,155,000 |
| Interest expense | 166,000 | 346,000 | 533,000 | 728,000 |
| Net interest income | 342,000 | 690,000 | 1,049,000 | 1,427,000 |
| Noninterest income | 31,000 | 64,000 | 99,000 | 134,000 |
| Noninterest expense | 282,000 | 576,000 | 870,000 | 1,183,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 91,000 | 178,000 | 280,000 | 380,000 |
| Income tax | 13,000 | 18,000 | 22,000 | 53,000 |
| Net income | 78,000 | 160,000 | 258,000 | 327,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,784,000 | 7,816,000 | 7,885,000 | 7,833,000 |
| Total capital | 8,142,000 | 8,185,000 | 8,260,000 | 8,218,000 |
| Risk-weighted assets | 28,554,000 | 29,503,000 | 30,103,000 | 30,915,000 |