Call reports 2013
CITIZENS NATIONAL BANK OF MCCONNELSVILLE, THE — 2013
What CITIZENS NATIONAL BANK OF MCCONNELSVILLE, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 87,425,000 | 86,263,000 | 86,598,000 | 84,977,000 |
| Total loans | 45,801,000 | 46,490,000 | 48,382,000 | 48,824,000 |
| Allowance for loan losses | 527,000 | 519,000 | 515,000 | 518,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 22,223,000 | 22,196,000 | 22,180,000 | 19,158,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,302,000 | 72,167,000 | 72,630,000 | 70,609,000 |
| Interest-bearing deposits | 63,124,000 | 61,780,000 | 61,922,000 | 59,979,000 |
| Noninterest-bearing deposits | 10,178,000 | 10,387,000 | 10,708,000 | 10,630,000 |
| Equity capital | 9,916,000 | 10,001,000 | 9,950,000 | 9,881,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 814,000 | 1,626,000 | 2,465,000 | 3,270,000 |
| Interest expense | 250,000 | 496,000 | 732,000 | 916,000 |
| Net interest income | 564,000 | 1,130,000 | 1,733,000 | 2,354,000 |
| Noninterest income | 54,000 | 115,000 | 181,000 | 239,000 |
| Noninterest expense | 507,000 | 1,016,000 | 1,544,000 | 2,067,000 |
| Provision for loan losses | 10,000 | 15,000 | 40,000 | 65,000 |
| Pretax income | 101,000 | 214,000 | 330,000 | 461,000 |
| Income tax | 25,000 | 53,000 | 82,000 | 117,000 |
| Net income | 76,000 | 161,000 | 248,000 | 344,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,916,000 | 10,001,000 | 9,950,000 | 9,881,000 |
| Total capital | 10,373,000 | 10,459,000 | 10,465,000 | 10,364,000 |
| Risk-weighted assets | 36,465,000 | 36,542,000 | 41,379,000 | 38,598,000 |
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