Call reports 2012
CITIZENS NATIONAL BANK OF MCCONNELSVILLE, THE — 2012
What CITIZENS NATIONAL BANK OF MCCONNELSVILLE, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 88,128,000 | 87,104,000 | 86,876,000 | 84,587,000 |
| Total loans | 44,337,000 | 45,229,000 | 45,018,000 | 45,492,000 |
| Allowance for loan losses | 441,000 | 395,000 | 459,000 | 489,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 20,123,000 | 20,102,000 | 20,185,000 | 22,254,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,602,000 | 72,385,000 | 72,403,000 | 70,226,000 |
| Interest-bearing deposits | 65,039,000 | 63,812,000 | 63,547,000 | 60,042,000 |
| Noninterest-bearing deposits | 8,563,000 | 8,573,000 | 8,856,000 | 10,184,000 |
| Equity capital | 9,830,000 | 9,925,000 | 9,889,000 | 9,840,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 840,000 | 1,699,000 | 2,602,000 | 3,484,000 |
| Interest expense | 300,000 | 594,000 | 891,000 | 1,173,000 |
| Net interest income | 540,000 | 1,105,000 | 1,711,000 | 2,311,000 |
| Noninterest income | 60,000 | 115,000 | 172,000 | 228,000 |
| Noninterest expense | 527,000 | 1,019,000 | 1,547,000 | 1,952,000 |
| Provision for loan losses | 15,000 | 25,000 | 55,000 | 145,000 |
| Pretax income | 58,000 | 176,000 | 281,000 | 442,000 |
| Income tax | 16,000 | 39,000 | 64,000 | 90,000 |
| Net income | 42,000 | 137,000 | 217,000 | 352,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,830,000 | 9,925,000 | 9,889,000 | 9,840,000 |
| Total capital | 10,271,000 | 10,320,000 | 10,345,000 | 10,295,000 |
| Risk-weighted assets | 36,688,000 | 37,011,000 | 36,449,000 | 36,378,000 |
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