Call reports 2025
CITIZENS NATIONAL BANK OF MCCONNELSVILLE, THE — 2025
What CITIZENS NATIONAL BANK OF MCCONNELSVILLE, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 109,875,000 | 111,289,000 | 109,208,000 | 109,107,000 |
| Total loans | 76,889,000 | 76,006,000 | 75,998,000 | 76,237,000 |
| Allowance for loan losses | 757,000 | 797,000 | 804,000 | 743,000 |
| Securities available for sale | 17,202,000 | 18,080,000 | 20,666,000 | 20,474,000 |
| Securities held to maturity | 1,999,000 | 1,735,000 | 120,000 | 114,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,118,000 | 92,601,000 | 90,789,000 | 88,106,000 |
| Interest-bearing deposits | 73,332,000 | 75,546,000 | 72,463,000 | 69,506,000 |
| Noninterest-bearing deposits | 17,786,000 | 17,055,000 | 18,326,000 | 18,600,000 |
| Equity capital | 10,390,000 | 10,894,000 | 11,036,000 | 11,312,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,496,000 | 3,090,000 | 4,672,000 | 6,213,000 |
| Interest expense | 518,000 | 1,011,000 | 1,508,000 | 1,931,000 |
| Net interest income | 978,000 | 2,079,000 | 3,164,000 | 4,282,000 |
| Noninterest income | 344,000 | 456,000 | 568,000 | 677,000 |
| Noninterest expense | 895,000 | 1,746,000 | 2,639,000 | 3,496,000 |
| Provision for loan losses | 10,000 | 40,000 | 70,000 | 120,000 |
| Pretax income | 417,000 | 749,000 | 1,023,000 | 1,343,000 |
| Income tax | 38,000 | 87,000 | 136,000 | 186,000 |
| Net income | 379,000 | 662,000 | 887,000 | 1,157,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,225,000 | 12,508,000 | 12,562,000 | 12,655,000 |
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