Call reports 2009
CITIZENS NATIONAL BANK OF MEYERSDALE, THE — 2009
What CITIZENS NATIONAL BANK OF MEYERSDALE, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 57,430,000 | 58,947,000 | 60,246,000 | 65,149,000 |
| Total loans | 34,768,000 | 35,443,000 | 37,157,000 | 39,222,000 |
| Allowance for loan losses | 323,000 | 343,000 | 346,000 | 332,000 |
| Securities available for sale | 18,181,000 | 18,712,000 | 18,488,000 | 21,079,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,655,000 | 49,172,000 | 49,306,000 | 55,345,000 |
| Interest-bearing deposits | 40,756,000 | 42,225,000 | 42,221,000 | 47,855,000 |
| Noninterest-bearing deposits | 6,899,000 | 6,947,000 | 7,085,000 | 7,490,000 |
| Equity capital | 8,677,000 | 8,641,000 | 8,760,000 | 8,700,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 717,000 | 1,428,000 | 2,135,000 | 2,900,000 |
| Interest expense | 249,000 | 504,000 | 760,000 | 1,043,000 |
| Net interest income | 468,000 | 924,000 | 1,375,000 | 1,857,000 |
| Noninterest income | 45,000 | 98,000 | 146,000 | 216,000 |
| Noninterest expense | 403,000 | 824,000 | 1,330,000 | 1,810,000 |
| Provision for loan losses | 30,000 | 41,000 | 44,000 | 50,000 |
| Pretax income | 80,000 | 158,000 | 148,000 | 215,000 |
| Income tax | 0 | 0 | 2,000 | -1,000 |
| Net income | 80,000 | 158,000 | 146,000 | 216,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,124,000 | 9,203,000 | 9,112,000 | 9,083,000 |
| Total capital | 9,447,000 | 9,546,000 | 9,458,000 | 9,415,000 |
| Risk-weighted assets | 33,199,000 | 33,575,000 | 34,078,000 | 35,961,000 |
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