Call reports 2019
CITIZENS NATIONAL BANK OF MCCONNELSVILLE, THE — 2019
What CITIZENS NATIONAL BANK OF MCCONNELSVILLE, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 96,759,000 | 92,874,000 | 95,580,000 | 98,767,000 |
| Total loans | 65,522,000 | 66,547,000 | 66,961,000 | 68,161,000 |
| Allowance for loan losses | 726,000 | 712,000 | 707,000 | 683,000 |
| Securities available for sale | 0 | 1,555,000 | 6,171,000 | 9,200,000 |
| Securities held to maturity | 13,507,000 | 12,491,000 | 12,517,000 | 8,305,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,228,000 | 71,289,000 | 76,309,000 | 74,145,000 |
| Interest-bearing deposits | 57,823,000 | 57,360,000 | 62,009,000 | 59,405,000 |
| Noninterest-bearing deposits | 15,405,000 | 13,929,000 | 14,300,000 | 14,740,000 |
| Equity capital | 11,160,000 | 11,375,000 | 11,446,000 | 11,376,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,048,000 | 2,155,000 | 3,282,000 | 4,427,000 |
| Interest expense | 202,000 | 442,000 | 690,000 | 924,000 |
| Net interest income | 846,000 | 1,713,000 | 2,592,000 | 3,503,000 |
| Noninterest income | 160,000 | 239,000 | 337,000 | 398,000 |
| Noninterest expense | 652,000 | 1,331,000 | 1,993,000 | 2,806,000 |
| Provision for loan losses | 30,000 | 30,000 | 45,000 | 70,000 |
| Pretax income | 324,000 | 591,000 | 891,000 | 1,025,000 |
| Income tax | 46,000 | 98,000 | 158,000 | 181,000 |
| Net income | 278,000 | 493,000 | 733,000 | 844,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,160,000 | 11,375,000 | 11,446,000 | 11,376,000 |
| Total capital | 11,767,000 | 12,008,000 | 12,086,000 | 12,020,000 |
| Risk-weighted assets | 48,379,000 | 50,532,000 | 51,168,000 | 51,493,000 |
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