Call reports 2004
CITIZENS BANK OF ASHVILLE, OHIO, THE — 2004
What CITIZENS BANK OF ASHVILLE, OHIO, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 85,773,000 | 88,761,000 | 87,819,000 | 88,038,000 |
| Total loans | 58,776,000 | 61,476,000 | 59,804,000 | 60,609,000 |
| Allowance for loan losses | 535,000 | 557,000 | 598,000 | 659,000 |
| Securities available for sale | 19,939,000 | 21,741,000 | 21,356,000 | 21,891,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,204,000 | 70,127,000 | 69,152,000 | 69,423,000 |
| Interest-bearing deposits | 62,167,000 | 63,634,000 | 63,593,000 | 63,369,000 |
| Noninterest-bearing deposits | 6,037,000 | 6,493,000 | 5,559,000 | 6,054,000 |
| Equity capital | 7,708,000 | 7,376,000 | 7,994,000 | 7,975,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,124,000 | 2,290,000 | 3,502,000 | 4,722,000 |
| Interest expense | 306,000 | 633,000 | 969,000 | 1,313,000 |
| Net interest income | 818,000 | 1,657,000 | 2,533,000 | 3,409,000 |
| Noninterest income | 149,000 | 317,000 | 530,000 | 696,000 |
| Noninterest expense | 652,000 | 1,303,000 | 1,920,000 | 2,647,000 |
| Provision for loan losses | 18,000 | 44,000 | 94,000 | 154,000 |
| Pretax income | 420,000 | 769,000 | 1,191,000 | 1,446,000 |
| Income tax | 117,000 | 212,000 | 331,000 | 394,000 |
| Net income | 303,000 | 557,000 | 860,000 | 1,052,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,577,000 | 7,710,000 | 8,013,000 | 8,011,000 |
| Total capital | 8,112,000 | 8,267,000 | 8,611,000 | 8,670,000 |
| Risk-weighted assets | 54,456,000 | 56,899,000 | 56,039,000 | 55,850,000 |