Call reports 2007
CITIZENS NATIONAL BANK OF MEYERSDALE, THE — 2007
What CITIZENS NATIONAL BANK OF MEYERSDALE, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 56,551,000 | 56,350,000 | 55,178,000 | 54,955,000 |
| Total loans | 29,756,000 | 30,045,000 | 31,036,000 | 31,137,000 |
| Allowance for loan losses | 288,000 | 296,000 | 303,000 | 299,000 |
| Securities available for sale | 20,907,000 | 19,132,000 | 18,310,000 | 18,668,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,737,000 | 47,671,000 | 46,215,000 | 46,180,000 |
| Interest-bearing deposits | 41,181,000 | 39,528,000 | 39,083,000 | 38,844,000 |
| Noninterest-bearing deposits | 6,556,000 | 8,143,000 | 7,132,000 | 7,336,000 |
| Equity capital | 8,227,000 | 8,146,000 | 8,399,000 | 8,513,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 725,000 | 1,470,000 | 2,203,000 | 2,954,000 |
| Interest expense | 274,000 | 544,000 | 795,000 | 1,046,000 |
| Net interest income | 451,000 | 926,000 | 1,408,000 | 1,908,000 |
| Noninterest income | 54,000 | 98,000 | 143,000 | 218,000 |
| Noninterest expense | 392,000 | 792,000 | 1,174,000 | 1,634,000 |
| Provision for loan losses | 2,000 | 10,000 | 18,000 | 18,000 |
| Pretax income | 72,000 | 183,000 | 320,000 | 435,000 |
| Income tax | -3,000 | 7,000 | 25,000 | 34,000 |
| Net income | 75,000 | 176,000 | 295,000 | 401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,360,000 | 8,390,000 | 8,509,000 | 8,764,000 |
| Total capital | 8,648,000 | 8,686,000 | 8,812,000 | 9,063,000 |
| Risk-weighted assets | 29,892,000 | 30,064,000 | 30,403,000 | 30,118,000 |
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