Call reports 2014
CITIZENS BANK OF ASHVILLE, OHIO, THE — 2014
What CITIZENS BANK OF ASHVILLE, OHIO, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 |
|---|---|---|---|
| Total assets | 104,638,000 | 102,550,000 | 104,234,000 |
| Total loans | 58,718,000 | 60,405,000 | 59,999,000 |
| Allowance for loan losses | 897,000 | 908,000 | 899,000 |
| Securities available for sale | 19,102,000 | 17,946,000 | 17,071,000 |
| Securities held to maturity | 7,046,000 | 7,542,000 | 7,534,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 86,976,000 | 85,784,000 | 87,545,000 |
| Interest-bearing deposits | 74,327,000 | 73,225,000 | 76,144,000 |
| Noninterest-bearing deposits | 12,649,000 | 12,559,000 | 11,401,000 |
| Equity capital | 8,678,000 | 8,800,000 | 8,802,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 |
|---|---|---|---|
| Interest income | 948,000 | 1,943,000 | 2,948,000 |
| Interest expense | 141,000 | 276,000 | 410,000 |
| Net interest income | 807,000 | 1,667,000 | 2,538,000 |
| Noninterest income | 227,000 | 396,000 | 535,000 |
| Noninterest expense | 866,000 | 1,713,000 | 2,624,000 |
| Provision for loan losses | 24,000 | 37,000 | 37,000 |
| Pretax income | 145,000 | 314,000 | 352,000 |
| Income tax | 32,000 | 136,000 | 173,000 |
| Net income | 113,000 | 178,000 | 179,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 |
|---|---|---|---|
| Tier 1 capital | 8,245,000 | 8,447,000 | 8,447,000 |
| Total capital | 8,999,000 | 9,183,000 | 9,201,000 |
| Risk-weighted assets | 60,137,000 | 58,721,000 | 60,226,000 |