Call reports 2004
CITIZENS NATIONAL BANK OF MEYERSDALE, THE — 2004
What CITIZENS NATIONAL BANK OF MEYERSDALE, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 56,662,000 | 56,368,000 | 56,771,000 | 56,216,000 |
| Total loans | 24,783,000 | 24,079,000 | 24,179,000 | 24,103,000 |
| Allowance for loan losses | 251,000 | 250,000 | 254,000 | 239,000 |
| Securities available for sale | 26,274,000 | 26,920,000 | 28,580,000 | 27,905,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,979,000 | 48,263,000 | 48,174,000 | 47,886,000 |
| Interest-bearing deposits | 42,290,000 | 42,475,000 | 42,229,000 | 41,483,000 |
| Noninterest-bearing deposits | 5,689,000 | 5,788,000 | 5,945,000 | 6,403,000 |
| Equity capital | 7,995,000 | 7,490,000 | 7,913,000 | 7,787,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 683,000 | 1,344,000 | 2,012,000 | 2,677,000 |
| Interest expense | 217,000 | 429,000 | 643,000 | 852,000 |
| Net interest income | 466,000 | 915,000 | 1,369,000 | 1,825,000 |
| Noninterest income | 47,000 | 96,000 | 145,000 | 212,000 |
| Noninterest expense | 380,000 | 775,000 | 1,171,000 | 1,606,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | -78,000 | 19,000 | 120,000 | 203,000 |
| Income tax | 15,000 | 22,000 | 31,000 | 33,000 |
| Net income | -93,000 | -3,000 | 89,000 | 170,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,635,000 | 7,807,000 | 7,884,000 | 7,930,000 |
| Total capital | 7,886,000 | 8,057,000 | 8,138,000 | 8,169,000 |
| Risk-weighted assets | 28,163,000 | 28,021,000 | 27,955,000 | 28,148,000 |
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