Call reports 2010
CITIZENS NATIONAL BANK OF SOMERSET, THE — 2010
What CITIZENS NATIONAL BANK OF SOMERSET, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 330,848,000 | 318,555,000 | 314,098,000 | 325,429,000 |
| Total loans | 167,044,000 | 164,725,000 | 167,883,000 | 176,835,000 |
| Allowance for loan losses | 2,811,000 | 2,896,000 | 2,975,000 | 2,989,000 |
| Securities available for sale | 141,346,000 | 128,963,000 | 124,403,000 | 132,776,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 265,499,000 | 262,393,000 | 260,520,000 | 264,795,000 |
| Interest-bearing deposits | 207,620,000 | 203,867,000 | 206,119,000 | 207,555,000 |
| Noninterest-bearing deposits | 57,879,000 | 58,526,000 | 54,401,000 | 57,240,000 |
| Equity capital | 35,875,000 | 37,104,000 | 37,383,000 | 34,795,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,810,000 | 7,756,000 | 11,257,000 | 14,801,000 |
| Interest expense | 847,000 | 1,625,000 | 2,340,000 | 2,977,000 |
| Net interest income | 2,963,000 | 6,131,000 | 8,917,000 | 11,824,000 |
| Noninterest income | 697,000 | 1,683,000 | 2,528,000 | 3,498,000 |
| Noninterest expense | 2,422,000 | 4,875,000 | 7,331,000 | 10,446,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 1,527,000 | 3,306,000 | 4,648,000 | 5,453,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,527,000 | 3,306,000 | 4,648,000 | 5,453,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,964,000 | 37,544,000 | 37,269,000 | 37,852,000 |
| Total capital | 39,303,000 | 39,701,000 | 39,397,000 | 40,121,000 |
| Risk-weighted assets | 186,628,000 | 171,852,000 | 170,224,000 | 180,839,000 |
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