Call reports 2011
CITIZENS BANK OF ASHVILLE, OHIO, THE — 2011
What CITIZENS BANK OF ASHVILLE, OHIO, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 112,171,000 | 107,009,000 | 106,324,000 | 100,317,000 |
| Total loans | 57,541,000 | 58,267,000 | 59,737,000 | 59,337,000 |
| Allowance for loan losses | 985,000 | 747,000 | 727,000 | 693,000 |
| Securities available for sale | 25,890,000 | 29,483,000 | 33,284,000 | 26,730,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,668,000 | 87,166,000 | 86,481,000 | 81,448,000 |
| Interest-bearing deposits | 83,506,000 | 77,341,000 | 76,595,000 | 72,162,000 |
| Noninterest-bearing deposits | 9,162,000 | 9,825,000 | 9,886,000 | 9,286,000 |
| Equity capital | 7,851,000 | 8,107,000 | 8,293,000 | 8,106,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,086,000 | 2,168,000 | 3,299,000 | 4,409,000 |
| Interest expense | 276,000 | 543,000 | 788,000 | 1,008,000 |
| Net interest income | 810,000 | 1,625,000 | 2,511,000 | 3,401,000 |
| Noninterest income | 238,000 | 464,000 | 620,000 | 864,000 |
| Noninterest expense | 1,022,000 | 1,954,000 | 2,867,000 | 3,813,000 |
| Provision for loan losses | 975,000 | 1,050,000 | 1,315,000 | 1,390,000 |
| Pretax income | -949,000 | -915,000 | -1,051,000 | -517,000 |
| Income tax | 312,000 | 221,000 | 111,000 | 351,000 |
| Net income | -1,261,000 | -1,136,000 | -1,162,000 | -868,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,697,000 | 7,776,000 | 7,750,000 | 8,029,000 |
| Total capital | 8,446,000 | 8,523,000 | 8,477,000 | 8,722,000 |
| Risk-weighted assets | 59,682,000 | 61,000,000 | 62,746,000 | 62,690,000 |