Call reports 2006
CITIZENS NATIONAL BANK OF MEYERSDALE, THE — 2006
What CITIZENS NATIONAL BANK OF MEYERSDALE, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 56,877,000 | 57,201,000 | 56,529,000 | 57,315,000 |
| Total loans | 25,697,000 | 25,705,000 | 26,066,000 | 27,944,000 |
| Allowance for loan losses | 267,000 | 279,000 | 285,000 | 281,000 |
| Securities available for sale | 26,234,000 | 24,599,000 | 24,727,000 | 24,105,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,437,000 | 48,840,000 | 47,817,000 | 47,844,000 |
| Interest-bearing deposits | 41,219,000 | 42,524,000 | 41,285,000 | 40,910,000 |
| Noninterest-bearing deposits | 7,218,000 | 6,316,000 | 6,532,000 | 6,934,000 |
| Equity capital | 7,797,000 | 7,720,000 | 8,035,000 | 8,094,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 687,000 | 1,378,000 | 2,072,000 | 2,780,000 |
| Interest expense | 209,000 | 443,000 | 710,000 | 980,000 |
| Net interest income | 478,000 | 935,000 | 1,362,000 | 1,800,000 |
| Noninterest income | 48,000 | 90,000 | 133,000 | 192,000 |
| Noninterest expense | 384,000 | 767,000 | 1,167,000 | 1,626,000 |
| Provision for loan losses | 8,000 | 20,000 | 29,000 | 35,000 |
| Pretax income | 164,000 | 262,000 | 323,000 | 355,000 |
| Income tax | 20,000 | 25,000 | 15,000 | 8,000 |
| Net income | 144,000 | 237,000 | 308,000 | 347,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,454,000 | 8,226,000 | 8,296,000 | 8,287,000 |
| Total capital | 8,721,000 | 8,505,000 | 8,581,000 | 8,568,000 |
| Risk-weighted assets | 28,111,000 | 28,485,000 | 28,577,000 | 29,729,000 |
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