Call reports 2011
CITIZENS NATIONAL BANK OF SOMERSET, THE — 2011
What CITIZENS NATIONAL BANK OF SOMERSET, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 332,925,000 | 331,294,000 | 326,357,000 | 329,353,000 |
| Total loans | 180,630,000 | 184,245,000 | 179,357,000 | 187,954,000 |
| Allowance for loan losses | 3,082,000 | 3,210,000 | 3,288,000 | 3,375,000 |
| Securities available for sale | 131,931,000 | 128,665,000 | 110,868,000 | 124,235,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 268,620,000 | 273,392,000 | 269,066,000 | 267,367,000 |
| Interest-bearing deposits | 209,358,000 | 207,527,000 | 206,127,000 | 206,940,000 |
| Noninterest-bearing deposits | 59,262,000 | 65,865,000 | 62,939,000 | 60,427,000 |
| Equity capital | 36,282,000 | 38,205,000 | 38,751,000 | 38,619,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,586,000 | 7,325,000 | 10,956,000 | 14,441,000 |
| Interest expense | 587,000 | 1,130,000 | 1,620,000 | 2,063,000 |
| Net interest income | 2,999,000 | 6,195,000 | 9,336,000 | 12,378,000 |
| Noninterest income | 733,000 | 1,544,000 | 2,425,000 | 3,230,000 |
| Noninterest expense | 2,398,000 | 4,846,000 | 7,428,000 | 11,171,000 |
| Provision for loan losses | 75,000 | 185,000 | 260,000 | 335,000 |
| Pretax income | 1,331,000 | 2,979,000 | 4,543,000 | 4,774,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,331,000 | 2,979,000 | 4,543,000 | 4,774,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,681,000 | 38,715,000 | 38,629,000 | 38,815,000 |
| Total capital | 40,960,000 | 41,029,000 | 40,901,000 | 41,201,000 |
| Risk-weighted assets | 181,564,000 | 184,234,000 | 180,748,000 | 189,896,000 |
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