Call reports 2008
CITIZENS NATIONAL BANK OF MEYERSDALE, THE — 2008
What CITIZENS NATIONAL BANK OF MEYERSDALE, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 55,479,000 | 55,985,000 | 56,586,000 | 57,147,000 |
| Total loans | 31,350,000 | 32,406,000 | 34,029,000 | 34,540,000 |
| Allowance for loan losses | 299,000 | 298,000 | 285,000 | 292,000 |
| Securities available for sale | 18,675,000 | 18,440,000 | 17,550,000 | 16,683,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,417,000 | 46,682,000 | 46,803,000 | 48,036,000 |
| Interest-bearing deposits | 39,686,000 | 39,571,000 | 39,260,000 | 40,129,000 |
| Noninterest-bearing deposits | 6,731,000 | 7,111,000 | 7,543,000 | 7,907,000 |
| Equity capital | 8,759,000 | 8,545,000 | 8,719,000 | 8,479,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 730,000 | 1,468,000 | 2,190,000 | 2,921,000 |
| Interest expense | 251,000 | 501,000 | 754,000 | 1,011,000 |
| Net interest income | 479,000 | 967,000 | 1,436,000 | 1,910,000 |
| Noninterest income | 57,000 | 98,000 | 136,000 | 205,000 |
| Noninterest expense | 371,000 | 738,000 | 1,104,000 | 1,522,000 |
| Provision for loan losses | 6,000 | 14,000 | 27,000 | 47,000 |
| Pretax income | 160,000 | 313,000 | 443,000 | 567,000 |
| Income tax | 37,000 | 67,000 | 85,000 | 99,000 |
| Net income | 123,000 | 246,000 | 358,000 | 468,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,848,000 | 8,921,000 | 9,033,000 | 9,044,000 |
| Total capital | 9,147,000 | 9,218,000 | 9,318,000 | 9,335,000 |
| Risk-weighted assets | 30,502,000 | 31,441,000 | 31,630,000 | 32,737,000 |
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