Call reports 2020
CITIZENS NATIONAL BANK OF MCCONNELSVILLE, THE — 2020
What CITIZENS NATIONAL BANK OF MCCONNELSVILLE, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 100,738,000 | 97,965,000 | 102,385,000 | 103,216,000 |
| Total loans | 67,149,000 | 64,139,000 | 64,543,000 | 64,981,000 |
| Allowance for loan losses | 696,000 | 759,000 | 759,000 | 778,000 |
| Securities available for sale | 12,339,000 | 14,489,000 | 21,734,000 | 19,967,000 |
| Securities held to maturity | 8,306,000 | 5,052,000 | 1,554,000 | 1,548,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,190,000 | 76,381,000 | 81,299,000 | 82,594,000 |
| Interest-bearing deposits | 66,077,000 | 61,003,000 | 65,034,000 | 64,387,000 |
| Noninterest-bearing deposits | 13,113,000 | 15,378,000 | 16,265,000 | 18,207,000 |
| Equity capital | 11,655,000 | 11,846,000 | 11,770,000 | 11,719,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,125,000 | 2,186,000 | 3,258,000 | 4,283,000 |
| Interest expense | 234,000 | 432,000 | 626,000 | 818,000 |
| Net interest income | 891,000 | 1,754,000 | 2,632,000 | 3,465,000 |
| Noninterest income | 64,000 | 108,000 | 154,000 | 202,000 |
| Noninterest expense | 760,000 | 1,477,000 | 2,211,000 | 2,942,000 |
| Provision for loan losses | 88,000 | 88,000 | 88,000 | 88,000 |
| Pretax income | 107,000 | 297,000 | 487,000 | 637,000 |
| Income tax | 18,000 | 49,000 | 83,000 | 109,000 |
| Net income | 89,000 | 248,000 | 404,000 | 528,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,444,000 | 11,603,000 | 11,595,000 | 11,556,000 |
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