Call reports 2002
CITIZENS BANK OF ASHVILLE, OHIO, THE — 2002
What CITIZENS BANK OF ASHVILLE, OHIO, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 75,646,000 | 78,385,000 | 82,375,000 | 83,167,000 |
| Total loans | 48,395,000 | 49,594,000 | 51,854,000 | 52,779,000 |
| Allowance for loan losses | 363,000 | 364,000 | 383,000 | 402,000 |
| Securities available for sale | 18,786,000 | 22,602,000 | 23,561,000 | 22,505,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,125,000 | 65,240,000 | 64,899,000 | 67,962,000 |
| Interest-bearing deposits | 61,686,000 | 59,303,000 | 58,867,000 | 62,055,000 |
| Noninterest-bearing deposits | 5,439,000 | 5,937,000 | 6,032,000 | 5,907,000 |
| Equity capital | 5,929,000 | 6,296,000 | 6,756,000 | 6,738,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,193,000 | 2,421,000 | 3,681,000 | 4,967,000 |
| Interest expense | 429,000 | 862,000 | 1,306,000 | 1,733,000 |
| Net interest income | 764,000 | 1,559,000 | 2,375,000 | 3,234,000 |
| Noninterest income | 138,000 | 276,000 | 421,000 | 562,000 |
| Noninterest expense | 574,000 | 1,162,000 | 1,762,000 | 2,431,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 310,000 | 637,000 | 982,000 | 1,422,000 |
| Income tax | 102,000 | 211,000 | 331,000 | 468,000 |
| Net income | 208,000 | 426,000 | 651,000 | 954,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,999,000 | 6,140,000 | 6,364,000 | 6,477,000 |
| Total capital | 6,362,000 | 6,504,000 | 6,747,000 | 6,879,000 |
| Risk-weighted assets | 46,993,000 | 48,194,000 | 49,544,000 | 50,872,000 |