Call reports 2005
CITIZENS NATIONAL BANK OF SOMERSET, THE — 2005
What CITIZENS NATIONAL BANK OF SOMERSET, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 313,851,000 | 306,334,000 | 302,830,000 | 309,766,000 |
| Total loans | 192,821,000 | 184,446,000 | 177,986,000 | 172,471,000 |
| Allowance for loan losses | 2,574,000 | 2,573,000 | 2,820,000 | 2,304,000 |
| Securities available for sale | 86,550,000 | 86,525,000 | 86,118,000 | 98,006,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 255,681,000 | 249,403,000 | 251,459,000 | 254,417,000 |
| Interest-bearing deposits | 207,023,000 | 197,196,000 | 198,448,000 | 200,462,000 |
| Noninterest-bearing deposits | 48,658,000 | 52,206,000 | 53,011,000 | 53,955,000 |
| Equity capital | 33,708,000 | 34,617,000 | 33,728,000 | 32,752,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,007,000 | 8,059,000 | 12,127,000 | 16,353,000 |
| Interest expense | 912,000 | 1,916,000 | 3,032,000 | 4,374,000 |
| Net interest income | 3,095,000 | 6,143,000 | 9,095,000 | 11,979,000 |
| Noninterest income | 663,000 | 1,350,000 | 2,048,000 | 2,755,000 |
| Noninterest expense | 1,851,000 | 3,708,000 | 5,635,000 | 8,438,000 |
| Provision for loan losses | 75,000 | 150,000 | 475,000 | 1,750,000 |
| Pretax income | 1,855,000 | 3,658,000 | 5,057,000 | 4,569,000 |
| Income tax | 0 | 0 | 9,000 | 9,000 |
| Net income | 1,855,000 | 3,658,000 | 5,048,000 | 4,560,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,093,000 | 35,646,000 | 35,013,000 | 34,525,000 |
| Total capital | 37,490,000 | 37,947,000 | 37,264,000 | 36,759,000 |
| Risk-weighted assets | 191,443,000 | 183,781,000 | 179,527,000 | 178,673,000 |
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