Call reports 2009
CITIZENS NATIONAL BANK OF SOMERSET, THE — 2009
What CITIZENS NATIONAL BANK OF SOMERSET, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 308,142,000 | 334,468,000 | 331,549,000 | 337,274,000 |
| Total loans | 150,246,000 | 151,423,000 | 155,621,000 | 158,394,000 |
| Allowance for loan losses | 2,596,000 | 2,662,000 | 2,675,000 | 2,726,000 |
| Securities available for sale | 144,870,000 | 168,132,000 | 162,100,000 | 157,481,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 259,037,000 | 259,677,000 | 263,230,000 | 267,210,000 |
| Interest-bearing deposits | 207,586,000 | 205,032,000 | 204,750,000 | 208,989,000 |
| Noninterest-bearing deposits | 51,451,000 | 54,645,000 | 58,480,000 | 58,221,000 |
| Equity capital | 35,036,000 | 32,210,000 | 34,191,000 | 34,268,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,975,000 | 7,962,000 | 12,028,000 | 15,966,000 |
| Interest expense | 1,189,000 | 2,310,000 | 3,370,000 | 4,309,000 |
| Net interest income | 2,786,000 | 5,652,000 | 8,658,000 | 11,657,000 |
| Noninterest income | 621,000 | 1,347,000 | 2,122,000 | 2,995,000 |
| Noninterest expense | 2,159,000 | 4,417,000 | 6,925,000 | 9,904,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 450,000 |
| Pretax income | 1,399,000 | 2,846,000 | 4,153,000 | 4,873,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,399,000 | 2,846,000 | 4,153,000 | 4,873,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,579,000 | 35,858,000 | 36,194,000 | 36,486,000 |
| Total capital | 37,560,000 | 38,038,000 | 38,473,000 | 38,846,000 |
| Risk-weighted assets | 157,884,000 | 173,951,000 | 181,434,000 | 188,465,000 |
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