Call reports 2005
CITIZENS NATIONAL BANK OF CHILLICOTHE, THE — 2005
What CITIZENS NATIONAL BANK OF CHILLICOTHE, 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 | 121,887,000 | 115,628,000 | 116,462,000 | 117,511,000 |
| Total loans | 89,496,000 | 88,518,000 | 89,041,000 | 89,199,000 |
| Allowance for loan losses | 769,000 | 814,000 | 826,000 | 820,000 |
| Securities available for sale | 21,033,000 | 20,058,000 | 18,837,000 | 17,459,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,656,000 | 102,952,000 | 103,384,000 | 99,581,000 |
| Interest-bearing deposits | 97,091,000 | 90,486,000 | 90,233,000 | 85,205,000 |
| Noninterest-bearing deposits | 12,565,000 | 12,466,000 | 13,151,000 | 14,376,000 |
| Equity capital | 11,327,000 | 11,477,000 | 11,680,000 | 11,535,000 |
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 | 1,692,000 | 3,388,000 | 5,099,000 | 6,826,000 |
| Interest expense | 430,000 | 868,000 | 1,317,000 | 1,812,000 |
| Net interest income | 1,262,000 | 2,520,000 | 3,782,000 | 5,014,000 |
| Noninterest income | 82,000 | 125,000 | 213,000 | 351,000 |
| Noninterest expense | 1,044,000 | 1,952,000 | 2,913,000 | 3,844,000 |
| Provision for loan losses | 4,000 | 77,000 | 105,000 | 132,000 |
| Pretax income | 296,000 | 616,000 | 977,000 | 1,389,000 |
| Income tax | 78,000 | 165,000 | 266,000 | 387,000 |
| Net income | 218,000 | 451,000 | 711,000 | 1,002,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,378,000 | 11,408,000 | 11,667,000 | 11,650,000 |
| Total capital | 12,184,000 | 12,274,000 | 12,526,000 | 12,506,000 |
| Risk-weighted assets | 80,008,000 | 77,363,000 | 79,841,000 | 80,705,000 |