Call reports 2012
CITIZENS NATIONAL BANK OF CHILLICOTHE, THE — 2012
What CITIZENS NATIONAL BANK OF CHILLICOTHE, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 152,468,000 | 152,724,000 | 152,056,000 | 151,700,000 |
| Total loans | 103,318,000 | 102,707,000 | 102,670,000 | 104,859,000 |
| Allowance for loan losses | 1,138,000 | 1,231,000 | 1,311,000 | 1,269,000 |
| Securities available for sale | 21,780,000 | 22,182,000 | 21,491,000 | 20,343,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,096,000 | 136,223,000 | 135,651,000 | 135,500,000 |
| Interest-bearing deposits | 108,310,000 | 108,430,000 | 108,078,000 | 106,082,000 |
| Noninterest-bearing deposits | 27,786,000 | 27,793,000 | 27,573,000 | 29,418,000 |
| Equity capital | 15,211,000 | 15,361,000 | 15,573,000 | 15,430,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,674,000 | 3,280,000 | 4,853,000 | 6,442,000 |
| Interest expense | 204,000 | 392,000 | 573,000 | 733,000 |
| Net interest income | 1,470,000 | 2,888,000 | 4,280,000 | 5,709,000 |
| Noninterest income | 165,000 | 347,000 | 522,000 | 697,000 |
| Noninterest expense | 1,250,000 | 2,422,000 | 3,633,000 | 4,775,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 270,000 |
| Pretax income | 295,000 | 633,000 | 909,000 | 1,371,000 |
| Income tax | 81,000 | 175,000 | 250,000 | 390,000 |
| Net income | 214,000 | 458,000 | 659,000 | 981,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,886,000 | 13,787,000 | 13,994,000 | 13,907,000 |
| Total capital | 15,068,000 | 14,998,000 | 15,200,000 | 15,130,000 |
| Risk-weighted assets | 98,060,000 | 96,597,000 | 96,068,000 | 97,614,000 |