Call reports 2012
CITIZENS NATIONAL BANK OF SOMERSET, THE — 2012
What CITIZENS NATIONAL BANK OF SOMERSET, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 337,246,000 | 329,978,000 | 327,570,000 | 335,896,000 |
| Total loans | 196,560,000 | 197,057,000 | 202,470,000 | 198,355,000 |
| Allowance for loan losses | 3,434,000 | 3,481,000 | 3,379,000 | 3,387,000 |
| Securities available for sale | 117,520,000 | 105,120,000 | 100,896,000 | 111,707,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 274,975,000 | 273,870,000 | 272,359,000 | 275,239,000 |
| Interest-bearing deposits | 207,233,000 | 204,347,000 | 203,033,000 | 205,312,000 |
| Noninterest-bearing deposits | 67,742,000 | 69,523,000 | 69,326,000 | 69,927,000 |
| Equity capital | 38,810,000 | 39,607,000 | 39,600,000 | 38,750,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,514,000 | 6,906,000 | 10,286,000 | 13,587,000 |
| Interest expense | 409,000 | 773,000 | 1,095,000 | 1,397,000 |
| Net interest income | 3,105,000 | 6,133,000 | 9,191,000 | 12,190,000 |
| Noninterest income | 811,000 | 1,685,000 | 2,665,000 | 3,578,000 |
| Noninterest expense | 2,518,000 | 5,076,000 | 7,658,000 | 10,802,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 600,000 |
| Pretax income | 1,685,000 | 3,345,000 | 4,920,000 | 5,402,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,685,000 | 3,345,000 | 4,920,000 | 5,402,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,500,000 | 39,863,000 | 39,774,000 | 39,157,000 |
| Total capital | 41,969,000 | 42,321,000 | 42,274,000 | 41,638,000 |
| Risk-weighted assets | 196,610,000 | 195,593,000 | 199,124,000 | 197,585,000 |
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