Croghan Bancshares, Inc. reported earnings results for the year ended December 31, 2013. For the year, the company reported income before federal income taxes of $5,339,000, net income of $4,447,000 or $2.58 per share on net interest income of $19,262,000 against income before federal income taxes of $5,584,000, net income of $4,843,000 or $2.89 per share on net interest income of $21,059,000 for the same period a year ago. Book value per share was $37.45 against $40.01 per share for the same period a year ago.

Return on average assets was 0.69% against 0.77% for the same period a year ago. Return on average equity was 6.60% against 7.40% for the same period a year ago.