Call reports 2007
CITIZENS NATIONAL BANK OF MCCONNELSVILLE, THE — 2007
What CITIZENS NATIONAL BANK OF MCCONNELSVILLE, 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 | 64,292,000 | 63,199,000 | 62,163,000 | 62,396,000 |
| Total loans | 44,514,000 | 43,993,000 | 42,228,000 | 42,827,000 |
| Allowance for loan losses | 496,000 | 446,000 | 449,000 | 476,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 9,898,000 | 9,201,000 | 9,905,000 | 9,536,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,876,000 | 50,727,000 | 49,785,000 | 50,100,000 |
| Interest-bearing deposits | 44,648,000 | 43,242,000 | 42,122,000 | 42,610,000 |
| Noninterest-bearing deposits | 7,227,000 | 7,485,000 | 7,663,000 | 7,490,000 |
| Equity capital | 9,272,000 | 9,450,000 | 9,485,000 | 9,581,000 |
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 | 1,028,000 | 2,122,000 | 3,195,000 | 4,256,000 |
| Interest expense | 400,000 | 807,000 | 1,225,000 | 1,636,000 |
| Net interest income | 628,000 | 1,315,000 | 1,970,000 | 2,620,000 |
| Noninterest income | 51,000 | 114,000 | 179,000 | 238,000 |
| Noninterest expense | 422,000 | 923,000 | 1,348,000 | 1,846,000 |
| Provision for loan losses | 15,000 | 25,000 | 40,000 | 85,000 |
| Pretax income | 242,000 | 481,000 | 761,000 | 927,000 |
| Income tax | 64,000 | 125,000 | 205,000 | 250,000 |
| Net income | 178,000 | 356,000 | 556,000 | 677,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,272,000 | 9,450,000 | 9,485,000 | 9,581,000 |
| Total capital | 9,748,000 | 9,896,000 | 9,934,000 | 10,042,000 |
| Risk-weighted assets | 38,100,000 | 38,480,000 | 36,666,000 | 36,894,000 |
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