Call reports 2012
CITIZENS NATIONAL BANK OF MEYERSDALE, THE — 2012
What CITIZENS NATIONAL BANK OF MEYERSDALE, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 89,933,000 | 90,880,000 | 91,625,000 | 88,342,000 |
| Total loans | 51,492,000 | 51,420,000 | 50,743,000 | 49,636,000 |
| Allowance for loan losses | 455,000 | 517,000 | 840,000 | 943,000 |
| Securities available for sale | 32,693,000 | 28,917,000 | 32,863,000 | 29,699,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,156,000 | 79,976,000 | 81,080,000 | 78,511,000 |
| Interest-bearing deposits | 69,313,000 | 70,866,000 | 71,438,000 | 68,514,000 |
| Noninterest-bearing deposits | 9,843,000 | 9,110,000 | 9,642,000 | 9,997,000 |
| Equity capital | 9,902,000 | 10,033,000 | 9,599,000 | 9,154,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 891,000 | 1,769,000 | 2,621,000 | 3,407,000 |
| Interest expense | 325,000 | 647,000 | 963,000 | 1,248,000 |
| Net interest income | 566,000 | 1,122,000 | 1,658,000 | 2,159,000 |
| Noninterest income | 40,000 | 69,000 | 129,000 | 164,000 |
| Noninterest expense | 472,000 | 984,000 | 1,636,000 | 2,533,000 |
| Provision for loan losses | 27,000 | 127,000 | 641,000 | 929,000 |
| Pretax income | 129,000 | 167,000 | -403,000 | -1,026,000 |
| Income tax | 7,000 | -9,000 | -107,000 | -207,000 |
| Net income | 122,000 | 176,000 | -296,000 | -819,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,812,000 | 9,864,000 | 9,316,000 | 8,793,000 |
| Total capital | 10,267,000 | 10,381,000 | 9,866,000 | 9,332,000 |
| Risk-weighted assets | 44,928,000 | 44,522,000 | 43,775,000 | 42,592,000 |