Call reports 2005
CITIZENS NATIONAL BANK OF MEYERSDALE, THE — 2005
What CITIZENS NATIONAL BANK OF MEYERSDALE, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 56,175,000 | 56,093,000 | 56,313,000 | 56,206,000 |
| Total loans | 24,069,000 | 24,168,000 | 24,220,000 | 24,670,000 |
| Allowance for loan losses | 237,000 | 248,000 | 258,000 | 264,000 |
| Securities available for sale | 27,021,000 | 27,232,000 | 26,387,000 | 27,043,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,928,000 | 47,733,000 | 47,819,000 | 47,838,000 |
| Interest-bearing deposits | 41,924,000 | 41,775,000 | 41,045,000 | 41,054,000 |
| Noninterest-bearing deposits | 6,004,000 | 5,958,000 | 6,774,000 | 6,784,000 |
| Equity capital | 7,672,000 | 7,803,000 | 7,905,000 | 7,744,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 659,000 | 1,315,000 | 1,979,000 | 2,652,000 |
| Interest expense | 196,000 | 395,000 | 600,000 | 805,000 |
| Net interest income | 463,000 | 920,000 | 1,379,000 | 1,847,000 |
| Noninterest income | 46,000 | 95,000 | 148,000 | 235,000 |
| Noninterest expense | 373,000 | 758,000 | 1,109,000 | 1,524,000 |
| Provision for loan losses | 8,000 | 20,000 | 30,000 | 36,000 |
| Pretax income | 128,000 | 237,000 | 388,000 | 522,000 |
| Income tax | 14,000 | 26,000 | 54,000 | 73,000 |
| Net income | 114,000 | 211,000 | 334,000 | 449,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,928,000 | 7,847,000 | 8,158,000 | 8,062,000 |
| Total capital | 8,165,000 | 8,095,000 | 8,416,000 | 8,326,000 |
| Risk-weighted assets | 28,258,000 | 27,653,000 | 27,881,000 | 28,657,000 |
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