Croghan Bancshares Inc. announced unaudited earnings results for the full year ended December 31, 2012. For the year, net income was $4,843,000 against $4,754,000 of prior year. Return on average assets and return on average equity were 0.77% and 7.40% against 0.94% and 7.97% of prior year.

Income before federal income taxes was $5,584,000 against $5,952,000 of prior year. Net interest income was $17,973,000 against $18,267,000 of prior year.