Call reports 2011
CITIZENS NATIONAL BANK OF CHILLICOTHE, THE — 2011
What CITIZENS NATIONAL BANK OF CHILLICOTHE, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 146,331,000 | 145,007,000 | 145,745,000 | 148,672,000 |
| Total loans | 101,567,000 | 102,631,000 | 103,617,000 | 105,958,000 |
| Allowance for loan losses | 900,000 | 999,000 | 1,070,000 | 1,095,000 |
| Securities available for sale | 21,047,000 | 22,250,000 | 22,818,000 | 20,838,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,576,000 | 128,858,000 | 129,490,000 | 132,278,000 |
| Interest-bearing deposits | 104,811,000 | 102,956,000 | 104,555,000 | 104,480,000 |
| Noninterest-bearing deposits | 25,765,000 | 25,902,000 | 24,935,000 | 27,798,000 |
| Equity capital | 14,768,000 | 14,843,000 | 15,190,000 | 15,037,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,702,000 | 3,421,000 | 5,130,000 | 6,813,000 |
| Interest expense | 266,000 | 520,000 | 767,000 | 996,000 |
| Net interest income | 1,436,000 | 2,901,000 | 4,363,000 | 5,817,000 |
| Noninterest income | 169,000 | 380,000 | 598,000 | 800,000 |
| Noninterest expense | 1,242,000 | 2,430,000 | 3,604,000 | 4,841,000 |
| Provision for loan losses | 180,000 | 300,000 | 375,000 | 450,000 |
| Pretax income | 183,000 | 551,000 | 982,000 | 1,326,000 |
| Income tax | 35,000 | 141,000 | 266,000 | 362,000 |
| Net income | 148,000 | 410,000 | 716,000 | 964,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,444,000 | 13,437,000 | 13,749,000 | 13,668,000 |
| Total capital | 14,396,000 | 14,487,000 | 14,876,000 | 14,813,000 |
| Risk-weighted assets | 97,116,000 | 96,097,000 | 98,997,000 | 101,198,000 |