Call reports 2009
CITIZENS NATIONAL BANK OF CHILLICOTHE, THE — 2009
What CITIZENS NATIONAL BANK OF CHILLICOTHE, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 151,873,000 | 141,218,000 | 141,416,000 | 141,856,000 |
| Total loans | 105,306,000 | 104,168,000 | 102,224,000 | 102,584,000 |
| Allowance for loan losses | 679,000 | 519,000 | 547,000 | 750,000 |
| Securities available for sale | 24,314,000 | 21,278,000 | 20,216,000 | 21,839,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,727,000 | 125,909,000 | 126,058,000 | 126,273,000 |
| Interest-bearing deposits | 111,383,000 | 105,792,000 | 105,330,000 | 104,179,000 |
| Noninterest-bearing deposits | 20,344,000 | 20,117,000 | 20,728,000 | 22,094,000 |
| Equity capital | 14,412,000 | 14,338,000 | 14,578,000 | 14,615,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,938,000 | 3,893,000 | 5,768,000 | 7,624,000 |
| Interest expense | 652,000 | 1,234,000 | 1,724,000 | 2,141,000 |
| Net interest income | 1,286,000 | 2,659,000 | 4,044,000 | 5,483,000 |
| Noninterest income | 153,000 | 320,000 | 498,000 | 678,000 |
| Noninterest expense | 1,286,000 | 2,665,000 | 3,840,000 | 5,051,000 |
| Provision for loan losses | 35,000 | 80,000 | 316,000 | 566,000 |
| Pretax income | 118,000 | 234,000 | 386,000 | 544,000 |
| Income tax | 4,000 | 7,000 | 23,000 | 42,000 |
| Net income | 114,000 | 227,000 | 363,000 | 502,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,733,000 | 12,687,000 | 12,830,000 | 12,837,000 |
| Total capital | 13,459,000 | 13,252,000 | 13,431,000 | 13,636,000 |
| Risk-weighted assets | 99,083,000 | 96,960,000 | 95,659,000 | 98,368,000 |