Call reports 2009
CITIZENS NATIONAL BANK OF MCCONNELSVILLE, THE — 2009
What CITIZENS NATIONAL BANK OF MCCONNELSVILLE, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 72,234,000 | 73,747,000 | 73,376,000 | 73,041,000 |
| Total loans | 43,109,000 | 43,126,000 | 44,780,000 | 44,387,000 |
| Allowance for loan losses | 554,000 | 529,000 | 566,000 | 491,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,468,000 | 13,558,000 | 13,572,000 | 13,464,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,586,000 | 59,151,000 | 59,001,000 | 58,918,000 |
| Interest-bearing deposits | 50,053,000 | 51,098,000 | 50,221,000 | 50,135,000 |
| Noninterest-bearing deposits | 7,533,000 | 8,053,000 | 8,780,000 | 8,783,000 |
| Equity capital | 9,744,000 | 9,815,000 | 9,696,000 | 9,588,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 920,000 | 1,856,000 | 2,772,000 | 3,645,000 |
| Interest expense | 411,000 | 817,000 | 1,204,000 | 1,566,000 |
| Net interest income | 509,000 | 1,039,000 | 1,568,000 | 2,079,000 |
| Noninterest income | 56,000 | 119,000 | 181,000 | 242,000 |
| Noninterest expense | 454,000 | 966,000 | 1,450,000 | 1,900,000 |
| Provision for loan losses | 55,000 | 55,000 | 90,000 | 130,000 |
| Pretax income | 56,000 | 137,000 | 209,000 | 291,000 |
| Income tax | 18,000 | 28,000 | 47,000 | 63,000 |
| Net income | 38,000 | 109,000 | 162,000 | 228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,744,000 | 9,815,000 | 9,696,000 | 9,588,000 |
| Total capital | 10,229,000 | 10,295,000 | 10,178,000 | 10,073,000 |
| Risk-weighted assets | 38,959,000 | 38,389,000 | 38,516,000 | 38,545,000 |
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