Call reports 2007
CITIZENS NATIONAL BANK OF SOMERSET, THE — 2007
What CITIZENS NATIONAL BANK OF SOMERSET, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 314,338,000 | 308,016,000 | 303,309,000 | 312,180,000 |
| Total loans | 147,137,000 | 142,850,000 | 132,306,000 | 132,304,000 |
| Allowance for loan losses | 2,547,000 | 2,455,000 | 2,360,000 | 2,357,000 |
| Securities available for sale | 122,090,000 | 120,235,000 | 121,704,000 | 99,045,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 268,281,000 | 263,152,000 | 259,997,000 | 266,651,000 |
| Interest-bearing deposits | 216,048,000 | 209,204,000 | 210,738,000 | 215,699,000 |
| Noninterest-bearing deposits | 52,233,000 | 53,948,000 | 49,259,000 | 50,952,000 |
| Equity capital | 31,772,000 | 31,925,000 | 33,180,000 | 32,854,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,451,000 | 8,946,000 | 13,467,000 | 18,118,000 |
| Interest expense | 2,128,000 | 4,253,000 | 6,353,000 | 8,396,000 |
| Net interest income | 2,323,000 | 4,693,000 | 7,114,000 | 9,722,000 |
| Noninterest income | 790,000 | 1,448,000 | 2,162,000 | 2,825,000 |
| Noninterest expense | 2,122,000 | 3,974,000 | 5,901,000 | 8,292,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 1,500,000 |
| Pretax income | 934,000 | 2,037,000 | 3,172,000 | 2,820,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 934,000 | 2,037,000 | 3,172,000 | 2,820,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,493,000 | 33,152,000 | 33,575,000 | 33,223,000 |
| Total capital | 34,506,000 | 35,109,000 | 35,330,000 | 35,093,000 |
| Risk-weighted assets | 160,494,000 | 156,026,000 | 147,267,000 | 148,323,000 |
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