Call reports 2004
CITIZENS NATIONAL BANK OF CHILLICOTHE, THE — 2004
What CITIZENS NATIONAL BANK OF CHILLICOTHE, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 126,374,000 | 127,711,000 | 126,176,000 | 124,246,000 |
| Total loans | 81,737,000 | 82,165,000 | 88,027,000 | 89,404,000 |
| Allowance for loan losses | 714,000 | 728,000 | 753,000 | 757,000 |
| Securities available for sale | 33,822,000 | 28,531,000 | 24,045,000 | 22,050,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,923,000 | 116,057,000 | 113,955,000 | 112,049,000 |
| Interest-bearing deposits | 102,607,000 | 104,583,000 | 101,634,000 | 99,623,000 |
| Noninterest-bearing deposits | 11,316,000 | 11,474,000 | 12,321,000 | 12,426,000 |
| Equity capital | 11,596,000 | 10,769,000 | 11,361,000 | 11,274,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,639,000 | 3,302,000 | 5,014,000 | 6,728,000 |
| Interest expense | 518,000 | 1,013,000 | 1,494,000 | 1,950,000 |
| Net interest income | 1,121,000 | 2,289,000 | 3,520,000 | 4,778,000 |
| Noninterest income | 116,000 | 194,000 | 297,000 | 405,000 |
| Noninterest expense | 1,027,000 | 2,022,000 | 3,007,000 | 3,957,000 |
| Provision for loan losses | 41,000 | 81,000 | 108,000 | 135,000 |
| Pretax income | 169,000 | 375,000 | 710,000 | 1,099,000 |
| Income tax | 10,000 | 38,000 | 124,000 | 232,000 |
| Net income | 159,000 | 337,000 | 586,000 | 867,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,095,000 | 11,033,000 | 11,282,000 | 11,160,000 |
| Total capital | 11,853,000 | 11,810,000 | 12,088,000 | 11,963,000 |
| Risk-weighted assets | 77,305,000 | 76,757,000 | 79,420,000 | 80,311,000 |