Call reports 2013
CITIZENS NATIONAL BANK OF MEYERSDALE, THE — 2013
What CITIZENS NATIONAL BANK OF MEYERSDALE, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 87,306,000 | 85,969,000 | 81,635,000 | 79,910,000 |
| Total loans | 47,845,000 | 41,222,000 | 39,900,000 | 39,715,000 |
| Allowance for loan losses | 902,000 | 632,000 | 636,000 | 617,000 |
| Securities available for sale | 26,682,000 | 26,034,000 | 19,217,000 | 22,777,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,604,000 | 78,490,000 | 74,370,000 | 72,676,000 |
| Interest-bearing deposits | 68,098,000 | 69,240,000 | 64,591,000 | 62,713,000 |
| Noninterest-bearing deposits | 9,506,000 | 9,250,000 | 9,779,000 | 9,963,000 |
| Equity capital | 9,088,000 | 7,125,000 | 7,009,000 | 6,990,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 764,000 | 1,511,000 | 2,117,000 | 2,708,000 |
| Interest expense | 243,000 | 479,000 | 706,000 | 920,000 |
| Net interest income | 521,000 | 1,032,000 | 1,411,000 | 1,788,000 |
| Noninterest income | 65,000 | 150,000 | 215,000 | 310,000 |
| Noninterest expense | 651,000 | 1,532,000 | 2,169,000 | 2,742,000 |
| Provision for loan losses | 27,000 | 2,020,000 | 2,020,000 | 2,020,000 |
| Pretax income | 4,000 | -2,169,000 | -2,091,000 | -2,147,000 |
| Income tax | -22,000 | -700,000 | -944,000 | -1,049,000 |
| Net income | 26,000 | -1,469,000 | -1,147,000 | -1,098,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,819,000 | 7,324,000 | 7,647,000 | 7,695,000 |
| Total capital | 9,340,000 | 7,790,000 | 8,113,000 | 8,155,000 |
| Risk-weighted assets | 41,289,000 | 37,275,000 | 37,102,000 | 36,801,000 |