Call reports 2015
CITIZENS NATIONAL BANK OF MEYERSDALE, THE — 2015
What CITIZENS NATIONAL BANK OF MEYERSDALE, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 72,297,000 | 77,821,000 | 85,068,000 | 89,041,000 |
| Total loans | 45,998,000 | 45,523,000 | 57,259,000 | 58,553,000 |
| Allowance for loan losses | 567,000 | 569,000 | 568,000 | 568,000 |
| Securities available for sale | 19,381,000 | 19,631,000 | 18,871,000 | 18,307,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,680,000 | 70,869,000 | 69,353,000 | 73,622,000 |
| Interest-bearing deposits | 53,632,000 | 61,152,000 | 59,927,000 | 63,856,000 |
| Noninterest-bearing deposits | 10,048,000 | 9,717,000 | 9,426,000 | 9,766,000 |
| Equity capital | 6,648,000 | 6,489,000 | 6,677,000 | 6,289,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 579,000 | 1,156,000 | 1,759,000 | 2,439,000 |
| Interest expense | 151,000 | 299,000 | 452,000 | 615,000 |
| Net interest income | 428,000 | 857,000 | 1,307,000 | 1,824,000 |
| Noninterest income | 59,000 | 117,000 | 177,000 | 185,000 |
| Noninterest expense | 582,000 | 1,044,000 | 1,489,000 | 2,403,000 |
| Provision for loan losses | -100,000 | -100,000 | -100,000 | -100,000 |
| Pretax income | 5,000 | 37,000 | 108,000 | -247,000 |
| Income tax | -18,000 | -28,000 | -8,000 | -106,000 |
| Net income | 23,000 | 65,000 | 116,000 | -141,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,309,000 | 7,169,000 | 7,282,000 | 6,731,000 |
| Total capital | 7,785,000 | 7,658,000 | 7,836,000 | 7,303,000 |
| Risk-weighted assets | 37,991,000 | 38,923,000 | 44,327,000 | 45,294,000 |