Call reports 2008
CITIZENS NATIONAL BANK OF MCCONNELSVILLE, THE — 2008
What CITIZENS NATIONAL BANK OF MCCONNELSVILLE, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 69,838,000 | 68,835,000 | 69,517,000 | 67,970,000 |
| Total loans | 42,105,000 | 41,906,000 | 43,631,000 | 43,398,000 |
| Allowance for loan losses | 496,000 | 519,000 | 531,000 | 542,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 10,095,000 | 10,003,000 | 9,814,000 | 9,901,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,383,000 | 53,375,000 | 54,287,000 | 52,963,000 |
| Interest-bearing deposits | 46,763,000 | 45,755,000 | 46,449,000 | 44,599,000 |
| Noninterest-bearing deposits | 7,620,000 | 7,620,000 | 7,838,000 | 8,364,000 |
| Equity capital | 9,731,000 | 9,859,000 | 9,816,000 | 9,706,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,023,000 | 2,054,000 | 3,064,000 | 4,021,000 |
| Interest expense | 429,000 | 854,000 | 1,288,000 | 1,703,000 |
| Net interest income | 594,000 | 1,200,000 | 1,776,000 | 2,318,000 |
| Noninterest income | 57,000 | 117,000 | 185,000 | 250,000 |
| Noninterest expense | 433,000 | 912,000 | 1,371,000 | 1,856,000 |
| Provision for loan losses | 10,000 | 20,000 | 35,000 | 85,000 |
| Pretax income | 208,000 | 385,000 | 555,000 | 627,000 |
| Income tax | 58,000 | 108,000 | 151,000 | 161,000 |
| Net income | 150,000 | 277,000 | 404,000 | 466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,731,000 | 9,859,000 | 9,816,000 | 9,706,000 |
| Total capital | 10,206,000 | 10,326,000 | 10,296,000 | 10,182,000 |
| Risk-weighted assets | 37,962,000 | 37,335,000 | 38,620,000 | 37,984,000 |
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