Call reports 2008
CITIZENS NATIONAL BANK OF CHILLICOTHE, THE — 2008
What CITIZENS NATIONAL BANK OF CHILLICOTHE, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 150,328,000 | 148,664,000 | 148,079,000 | 148,127,000 |
| Total loans | 104,813,000 | 109,717,000 | 108,115,000 | 106,735,000 |
| Allowance for loan losses | 625,000 | 654,000 | 667,000 | 653,000 |
| Securities available for sale | 23,067,000 | 23,947,000 | 23,356,000 | 24,212,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,433,000 | 126,566,000 | 128,488,000 | 128,175,000 |
| Interest-bearing deposits | 112,168,000 | 108,222,000 | 109,671,000 | 108,857,000 |
| Noninterest-bearing deposits | 18,265,000 | 18,344,000 | 18,817,000 | 19,318,000 |
| Equity capital | 14,097,000 | 13,481,000 | 13,864,000 | 14,155,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,202,000 | 4,407,000 | 6,609,000 | 8,727,000 |
| Interest expense | 945,000 | 1,779,000 | 2,582,000 | 3,351,000 |
| Net interest income | 1,257,000 | 2,628,000 | 4,027,000 | 5,376,000 |
| Noninterest income | 163,000 | 337,000 | 511,000 | 667,000 |
| Noninterest expense | 1,205,000 | 2,480,000 | 3,755,000 | 5,041,000 |
| Provision for loan losses | 26,000 | 56,000 | 86,000 | 116,000 |
| Pretax income | 189,000 | 425,000 | 688,000 | 888,000 |
| Income tax | 32,000 | 84,000 | 108,000 | 136,000 |
| Net income | 157,000 | 341,000 | 580,000 | 752,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,650,000 | 12,238,000 | 12,483,000 | 12,613,000 |
| Total capital | 13,317,000 | 12,930,000 | 13,201,000 | 13,310,000 |
| Risk-weighted assets | 96,987,000 | 100,639,000 | 99,710,000 | 98,587,000 |