Call reports 2007
CITIZENS NATIONAL BANK OF CHILLICOTHE, THE — 2007
What CITIZENS NATIONAL BANK OF CHILLICOTHE, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 123,534,000 | 125,374,000 | 147,617,000 | 148,382,000 |
| Total loans | 96,768,000 | 98,111,000 | 109,240,000 | 107,988,000 |
| Allowance for loan losses | 844,000 | 882,000 | 733,000 | 634,000 |
| Securities available for sale | 17,224,000 | 16,414,000 | 18,198,000 | 21,280,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,543,000 | 105,270,000 | 127,774,000 | 128,785,000 |
| Interest-bearing deposits | 90,437,000 | 89,624,000 | 110,483,000 | 109,234,000 |
| Noninterest-bearing deposits | 15,106,000 | 15,646,000 | 17,291,000 | 19,551,000 |
| Equity capital | 11,703,000 | 11,526,000 | 13,694,000 | 13,774,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,043,000 | 4,072,000 | 6,190,000 | 8,541,000 |
| Interest expense | 813,000 | 1,642,000 | 2,517,000 | 3,523,000 |
| Net interest income | 1,230,000 | 2,430,000 | 3,673,000 | 5,018,000 |
| Noninterest income | 91,000 | 190,000 | 325,000 | 446,000 |
| Noninterest expense | 1,062,000 | 2,133,000 | 3,293,000 | 4,539,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 96,000 |
| Pretax income | 235,000 | 439,000 | 633,000 | 831,000 |
| Income tax | 45,000 | 98,000 | 98,000 | 98,000 |
| Net income | 190,000 | 341,000 | 535,000 | 733,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,870,000 | 11,817,000 | 12,509,000 | 12,436,000 |
| Total capital | 12,748,000 | 12,734,000 | 13,273,000 | 13,104,000 |
| Risk-weighted assets | 88,522,000 | 88,991,000 | 101,316,000 | 98,964,000 |