Call reports 2005
CITIZENS BANK OF ASHVILLE, OHIO, THE — 2005
What CITIZENS BANK OF ASHVILLE, OHIO, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 84,798,000 | 89,543,000 | 87,681,000 | 88,311,000 |
| Total loans | 57,552,000 | 56,433,000 | 55,371,000 | 55,558,000 |
| Allowance for loan losses | 684,000 | 586,000 | 620,000 | 550,000 |
| Securities available for sale | 21,130,000 | 23,678,000 | 24,781,000 | 25,052,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,089,000 | 74,558,000 | 68,932,000 | 68,246,000 |
| Interest-bearing deposits | 62,272,000 | 67,961,000 | 62,155,000 | 60,280,000 |
| Noninterest-bearing deposits | 5,817,000 | 6,597,000 | 6,777,000 | 7,966,000 |
| Equity capital | 8,091,000 | 8,324,000 | 8,461,000 | 8,380,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,169,000 | 2,334,000 | 3,556,000 | 4,735,000 |
| Interest expense | 342,000 | 694,000 | 1,084,000 | 1,474,000 |
| Net interest income | 827,000 | 1,640,000 | 2,472,000 | 3,261,000 |
| Noninterest income | 168,000 | 330,000 | 492,000 | 658,000 |
| Noninterest expense | 695,000 | 1,353,000 | 2,021,000 | 2,711,000 |
| Provision for loan losses | 30,000 | 66,000 | 114,000 | 162,000 |
| Pretax income | 336,000 | 617,000 | 899,000 | 1,104,000 |
| Income tax | 88,000 | 159,000 | 230,000 | 276,000 |
| Net income | 248,000 | 458,000 | 669,000 | 828,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,270,000 | 8,343,000 | 8,557,000 | 8,574,000 |
| Total capital | 8,936,000 | 8,929,000 | 9,177,000 | 9,124,000 |
| Risk-weighted assets | 53,232,000 | 54,797,000 | 53,814,000 | 56,004,000 |