Call reports 2014
CITIZENS NATIONAL BANK OF MCCONNELSVILLE, THE — 2014
What CITIZENS NATIONAL BANK OF MCCONNELSVILLE, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 88,169,000 | 84,399,000 | 85,299,000 | 84,352,000 |
| Total loans | 49,214,000 | 49,016,000 | 48,593,000 | 48,045,000 |
| Allowance for loan losses | 533,000 | 518,000 | 538,000 | 532,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 22,144,000 | 22,132,000 | 22,122,000 | 19,515,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,483,000 | 69,395,000 | 71,668,000 | 70,813,000 |
| Interest-bearing deposits | 63,330,000 | 58,844,000 | 59,490,000 | 59,295,000 |
| Noninterest-bearing deposits | 11,153,000 | 10,551,000 | 12,178,000 | 11,518,000 |
| Equity capital | 9,977,000 | 10,103,000 | 10,068,000 | 9,981,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 794,000 | 1,593,000 | 2,418,000 | 3,207,000 |
| Interest expense | 163,000 | 320,000 | 472,000 | 621,000 |
| Net interest income | 631,000 | 1,273,000 | 1,946,000 | 2,586,000 |
| Noninterest income | 56,000 | 116,000 | 177,000 | 240,000 |
| Noninterest expense | 542,000 | 1,057,000 | 1,580,000 | 2,139,000 |
| Provision for loan losses | 15,000 | 25,000 | 60,000 | 90,000 |
| Pretax income | 130,000 | 307,000 | 483,000 | 597,000 |
| Income tax | 34,000 | 85,000 | 148,000 | 185,000 |
| Net income | 96,000 | 222,000 | 335,000 | 412,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,977,000 | 10,103,000 | 10,068,000 | 9,981,000 |
| Total capital | 10,495,000 | 10,599,000 | 10,567,000 | 10,453,000 |
| Risk-weighted assets | 41,454,000 | 39,622,000 | 39,855,000 | 37,678,000 |
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