Call reports 2001
CITIZENS BANK OF ASHVILLE, OHIO, THE — 2001
What CITIZENS BANK OF ASHVILLE, OHIO, THE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 62,209,000 | 64,505,000 | 67,769,000 | 70,098,000 |
| Total loans | 45,163,000 | 46,728,000 | 47,733,000 | 47,415,000 |
| Allowance for loan losses | 305,000 | 320,000 | 341,000 | 337,000 |
| Securities available for sale | 9,041,000 | 10,857,000 | 13,153,000 | 16,492,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,403,000 | 54,098,000 | 56,847,000 | 61,161,000 |
| Interest-bearing deposits | 45,711,000 | 47,844,000 | 51,366,000 | 55,155,000 |
| Noninterest-bearing deposits | 6,692,000 | 6,254,000 | 5,481,000 | 6,006,000 |
| Equity capital | 5,616,000 | 5,636,000 | 5,801,000 | 5,774,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,161,000 | 2,312,000 | 3,522,000 | 4,708,000 |
| Interest expense | 570,000 | 1,118,000 | 1,665,000 | 2,145,000 |
| Net interest income | 591,000 | 1,194,000 | 1,857,000 | 2,563,000 |
| Noninterest income | 97,000 | 211,000 | 322,000 | 452,000 |
| Noninterest expense | 548,000 | 1,102,000 | 1,685,000 | 2,282,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 122,000 | 267,000 | 440,000 | 661,000 |
| Income tax | 35,000 | 75,000 | 135,000 | 202,000 |
| Net income | 87,000 | 192,000 | 305,000 | 459,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,555,000 | 5,599,000 | 5,712,000 | 5,790,000 |
| Total capital | 5,860,000 | 5,919,000 | 6,053,000 | 6,127,000 |
| Risk-weighted assets | 40,615,000 | 42,341,000 | 42,836,000 | 43,205,000 |