Call reports 2015
CITIZENS NATIONAL BANK OF MCCONNELSVILLE, THE — 2015
What CITIZENS NATIONAL BANK OF MCCONNELSVILLE, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 86,232,000 | 83,527,000 | 85,389,000 | 85,173,000 |
| Total loans | 48,252,000 | 48,846,000 | 50,865,000 | 52,471,000 |
| Allowance for loan losses | 548,000 | 567,000 | 585,000 | 628,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 22,130,000 | 22,114,000 | 21,096,000 | 19,884,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,880,000 | 69,158,000 | 72,149,000 | 69,846,000 |
| Interest-bearing deposits | 62,305,000 | 57,687,000 | 60,504,000 | 57,864,000 |
| Noninterest-bearing deposits | 10,575,000 | 11,471,000 | 11,645,000 | 11,982,000 |
| Equity capital | 10,061,000 | 10,176,000 | 10,148,000 | 10,177,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 731,000 | 1,475,000 | 2,246,000 | 3,057,000 |
| Interest expense | 122,000 | 226,000 | 329,000 | 429,000 |
| Net interest income | 609,000 | 1,249,000 | 1,917,000 | 2,628,000 |
| Noninterest income | 60,000 | 122,000 | 187,000 | 245,000 |
| Noninterest expense | 544,000 | 1,072,000 | 1,631,000 | 2,135,000 |
| Provision for loan losses | 15,000 | 30,000 | 30,000 | 56,000 |
| Pretax income | 110,000 | 269,000 | 443,000 | 682,000 |
| Income tax | 30,000 | 74,000 | 124,000 | 174,000 |
| Net income | 80,000 | 195,000 | 319,000 | 508,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,935,000 | 10,050,000 | 10,022,000 | 10,046,000 |
| Total capital | 10,483,000 | 10,511,000 | 10,514,000 | 10,550,000 |
| Risk-weighted assets | 37,837,000 | 36,367,000 | 39,174,000 | 40,079,000 |
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