Call reports 2007
CITIZENS BANK OF ASHVILLE, OHIO, THE — 2007
What CITIZENS BANK OF ASHVILLE, OHIO, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 94,080,000 | 95,122,000 | 92,522,000 | 93,540,000 |
| Total loans | 64,362,000 | 65,581,000 | 66,176,000 | 66,182,000 |
| Allowance for loan losses | 646,000 | 658,000 | 524,000 | 485,000 |
| Securities available for sale | 20,484,000 | 19,605,000 | 17,758,000 | 17,318,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,075,000 | 70,130,000 | 68,263,000 | 69,246,000 |
| Interest-bearing deposits | 64,975,000 | 62,511,000 | 59,728,000 | 61,207,000 |
| Noninterest-bearing deposits | 11,100,000 | 7,619,000 | 8,535,000 | 8,039,000 |
| Equity capital | 8,936,000 | 8,880,000 | 9,126,000 | 9,170,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,403,000 | 2,798,000 | 4,258,000 | 5,693,000 |
| Interest expense | 644,000 | 1,288,000 | 1,960,000 | 2,593,000 |
| Net interest income | 759,000 | 1,510,000 | 2,298,000 | 3,100,000 |
| Noninterest income | 158,000 | 362,000 | 495,000 | 558,000 |
| Noninterest expense | 766,000 | 1,423,000 | 2,130,000 | 2,882,000 |
| Provision for loan losses | 90,000 | 135,000 | 197,000 | 197,000 |
| Pretax income | 61,000 | 314,000 | 505,000 | 618,000 |
| Income tax | -10,000 | 35,000 | 75,000 | 113,000 |
| Net income | 71,000 | 279,000 | 430,000 | 505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,983,000 | 9,070,000 | 9,220,000 | 9,173,000 |
| Total capital | 9,651,000 | 9,748,000 | 9,744,000 | 9,658,000 |
| Risk-weighted assets | 61,292,000 | 63,150,000 | 62,491,000 | 62,839,000 |