Call reports 2010
CITIZENS NATIONAL BANK OF CHILLICOTHE, THE — 2010
What CITIZENS NATIONAL BANK OF CHILLICOTHE, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 139,751,000 | 138,917,000 | 140,787,000 | 143,840,000 |
| Total loans | 103,182,000 | 104,279,000 | 102,193,000 | 101,799,000 |
| Allowance for loan losses | 891,000 | 945,000 | 1,002,000 | 1,045,000 |
| Securities available for sale | 19,933,000 | 18,888,000 | 17,671,000 | 17,808,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,405,000 | 123,090,000 | 125,321,000 | 128,254,000 |
| Interest-bearing deposits | 102,256,000 | 101,833,000 | 103,047,000 | 105,202,000 |
| Noninterest-bearing deposits | 22,149,000 | 21,257,000 | 22,274,000 | 23,052,000 |
| Equity capital | 14,882,000 | 14,752,000 | 14,958,000 | 14,835,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,939,000 | 3,549,000 | 5,312,000 | 7,075,000 |
| Interest expense | 356,000 | 688,000 | 1,018,000 | 1,339,000 |
| Net interest income | 1,583,000 | 2,861,000 | 4,294,000 | 5,736,000 |
| Noninterest income | 190,000 | 449,000 | 611,000 | 802,000 |
| Noninterest expense | 1,280,000 | 2,507,000 | 3,718,000 | 4,894,000 |
| Provision for loan losses | 150,000 | 300,000 | 375,000 | 450,000 |
| Pretax income | 343,000 | 503,000 | 816,000 | 1,198,000 |
| Income tax | 91,000 | 115,000 | 198,000 | 304,000 |
| Net income | 252,000 | 388,000 | 618,000 | 894,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,216,000 | 13,098,000 | 13,333,000 | 13,290,000 |
| Total capital | 14,163,000 | 14,095,000 | 14,380,000 | 14,380,000 |
| Risk-weighted assets | 98,787,000 | 100,451,000 | 98,813,000 | 96,980,000 |