Call reports 2006
CITIZENS NATIONAL BANK OF CHILLICOTHE, THE — 2006
What CITIZENS NATIONAL BANK OF CHILLICOTHE, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 113,919,000 | 120,356,000 | 117,709,000 | 121,728,000 |
| Total loans | 88,630,000 | 92,156,000 | 92,970,000 | 93,085,000 |
| Allowance for loan losses | 808,000 | 801,000 | 806,000 | 826,000 |
| Securities available for sale | 16,826,000 | 15,896,000 | 15,421,000 | 14,242,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,088,000 | 99,098,000 | 99,732,000 | 104,069,000 |
| Interest-bearing deposits | 86,768,000 | 85,306,000 | 85,303,000 | 87,898,000 |
| Noninterest-bearing deposits | 14,320,000 | 13,792,000 | 14,429,000 | 16,171,000 |
| Equity capital | 11,658,000 | 11,508,000 | 11,706,000 | 11,501,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,743,000 | 3,494,000 | 5,381,000 | 7,277,000 |
| Interest expense | 573,000 | 1,206,000 | 1,965,000 | 2,744,000 |
| Net interest income | 1,170,000 | 2,288,000 | 3,416,000 | 4,533,000 |
| Noninterest income | 65,000 | 138,000 | 226,000 | 315,000 |
| Noninterest expense | 1,011,000 | 1,996,000 | 3,071,000 | 4,139,000 |
| Provision for loan losses | 27,000 | 54,000 | 81,000 | 108,000 |
| Pretax income | 197,000 | 376,000 | 490,000 | 601,000 |
| Income tax | 46,000 | 87,000 | 133,000 | 148,000 |
| Net income | 151,000 | 289,000 | 357,000 | 453,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,511,000 | 11,305,000 | 11,802,000 | 11,680,000 |
| Total capital | 12,363,000 | 12,155,000 | 12,657,000 | 12,551,000 |
| Risk-weighted assets | 80,159,000 | 83,815,000 | 84,337,000 | 85,401,000 |