Call reports 2014
CITIZENS NATIONAL BANK OF SOMERSET, THE — 2014
What CITIZENS NATIONAL BANK OF SOMERSET, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 339,093,000 | 333,963,000 | 341,847,000 | 351,196,000 |
| Total loans | 192,132,000 | 190,590,000 | 192,380,000 | 191,635,000 |
| Allowance for loan losses | 3,533,000 | 3,504,000 | 3,499,000 | 3,456,000 |
| Securities available for sale | 128,080,000 | 122,097,000 | 128,770,000 | 131,186,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 285,843,000 | 279,660,000 | 282,631,000 | 291,973,000 |
| Interest-bearing deposits | 202,202,000 | 199,697,000 | 202,285,000 | 207,649,000 |
| Noninterest-bearing deposits | 83,641,000 | 79,963,000 | 80,346,000 | 84,324,000 |
| Equity capital | 35,216,000 | 36,831,000 | 36,852,000 | 38,272,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,215,000 | 6,435,000 | 9,669,000 | 12,961,000 |
| Interest expense | 198,000 | 386,000 | 569,000 | 754,000 |
| Net interest income | 3,017,000 | 6,049,000 | 9,100,000 | 12,207,000 |
| Noninterest income | 883,000 | 1,840,000 | 2,766,000 | 3,703,000 |
| Noninterest expense | 2,537,000 | 5,133,000 | 7,740,000 | 10,888,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 1,312,000 | 2,614,000 | 3,919,000 | 4,698,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,312,000 | 2,614,000 | 3,919,000 | 4,698,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,235,000 | 40,451,000 | 40,268,000 | 40,687,000 |
| Total capital | 42,715,000 | 42,906,000 | 42,768,000 | 43,181,000 |
| Risk-weighted assets | 197,512,000 | 195,368,000 | 198,980,000 | 198,626,000 |
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