Call reports 2004
CITIZENS NATIONAL BANK OF SOMERSET, THE — 2004
What CITIZENS NATIONAL BANK OF SOMERSET, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 323,330,000 | 318,360,000 | 314,226,000 | 321,089,000 |
| Total loans | 207,387,000 | 204,061,000 | 198,541,000 | 198,818,000 |
| Allowance for loan losses | 2,316,000 | 2,274,000 | 3,287,000 | 2,573,000 |
| Securities available for sale | 69,261,000 | 78,184,000 | 81,554,000 | 83,035,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 262,435,000 | 258,708,000 | 257,726,000 | 261,883,000 |
| Interest-bearing deposits | 215,986,000 | 209,877,000 | 208,569,000 | 208,229,000 |
| Noninterest-bearing deposits | 46,449,000 | 48,831,000 | 49,157,000 | 53,654,000 |
| Equity capital | 35,304,000 | 33,907,000 | 33,771,000 | 34,338,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,772,000 | 7,573,000 | 11,425,000 | 15,378,000 |
| Interest expense | 874,000 | 1,709,000 | 2,559,000 | 3,419,000 |
| Net interest income | 2,898,000 | 5,864,000 | 8,866,000 | 11,959,000 |
| Noninterest income | 592,000 | 1,253,000 | 1,950,000 | 2,599,000 |
| Noninterest expense | 1,768,000 | 3,575,000 | 5,448,000 | 8,102,000 |
| Provision for loan losses | 60,000 | 120,000 | 1,180,000 | 1,240,000 |
| Pretax income | 1,729,000 | 3,505,000 | 4,279,000 | 5,320,000 |
| Income tax | 2,000 | 4,000 | 6,000 | 14,000 |
| Net income | 1,727,000 | 3,501,000 | 4,273,000 | 5,306,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,376,000 | 35,006,000 | 33,705,000 | 34,738,000 |
| Total capital | 36,692,000 | 37,280,000 | 36,168,000 | 37,206,000 |
| Risk-weighted assets | 205,489,000 | 203,112,000 | 196,200,000 | 197,349,000 |
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