Call reports 2015
CITIZENS NATIONAL BANK OF SOMERSET, THE — 2015
What CITIZENS NATIONAL BANK OF SOMERSET, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 363,174,000 | 357,652,000 | 362,830,000 | 381,394,000 |
| Total loans | 199,008,000 | 203,779,000 | 214,802,000 | 222,374,000 |
| Allowance for loan losses | 3,403,000 | 3,420,000 | 3,330,000 | 3,331,000 |
| Securities available for sale | 134,301,000 | 134,691,000 | 126,680,000 | 127,190,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 299,935,000 | 296,196,000 | 302,916,000 | 315,769,000 |
| Interest-bearing deposits | 203,592,000 | 202,208,000 | 204,758,000 | 209,923,000 |
| Noninterest-bearing deposits | 96,343,000 | 93,988,000 | 98,158,000 | 105,846,000 |
| Equity capital | 38,970,000 | 38,338,000 | 38,787,000 | 38,811,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,194,000 | 6,504,000 | 9,937,000 | 13,430,000 |
| Interest expense | 172,000 | 342,000 | 509,000 | 687,000 |
| Net interest income | 3,022,000 | 6,162,000 | 9,428,000 | 12,743,000 |
| Noninterest income | 865,000 | 1,668,000 | 2,608,000 | 3,595,000 |
| Noninterest expense | 2,677,000 | 5,420,000 | 8,205,000 | 11,250,000 |
| Provision for loan losses | 98,000 | 196,000 | 308,000 | 413,000 |
| Pretax income | 1,171,000 | 2,284,000 | 3,597,000 | 4,749,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,171,000 | 2,284,000 | 3,597,000 | 4,749,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,733,000 | 41,018,000 | 40,568,000 | 41,222,000 |
| Total capital | 43,280,000 | 43,488,000 | 43,130,000 | 43,880,000 |
| Risk-weighted assets | 203,794,000 | 196,759,000 | 204,172,000 | 211,966,000 |
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