Call reports 2016
CITIZENS NATIONAL BANK OF SOMERSET, THE — 2016
What CITIZENS NATIONAL BANK OF SOMERSET, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 388,140,000 | 377,609,000 | 383,715,000 | 387,951,000 |
| Total loans | 223,067,000 | 229,287,000 | 239,102,000 | 245,194,000 |
| Allowance for loan losses | 3,326,000 | 3,200,000 | 3,196,000 | 3,238,000 |
| Securities available for sale | 121,143,000 | 126,132,000 | 120,239,000 | 120,807,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 318,516,000 | 313,616,000 | 318,786,000 | 319,238,000 |
| Interest-bearing deposits | 211,653,000 | 210,373,000 | 210,509,000 | 216,412,000 |
| Noninterest-bearing deposits | 106,863,000 | 103,243,000 | 108,277,000 | 102,826,000 |
| Equity capital | 39,850,000 | 40,800,000 | 40,152,000 | 37,807,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,526,000 | 7,100,000 | 10,753,000 | 14,488,000 |
| Interest expense | 182,000 | 361,000 | 536,000 | 722,000 |
| Net interest income | 3,344,000 | 6,739,000 | 10,217,000 | 13,766,000 |
| Noninterest income | 937,000 | 1,734,000 | 2,849,000 | 3,721,000 |
| Noninterest expense | 2,828,000 | 5,735,000 | 8,765,000 | 11,831,000 |
| Provision for loan losses | 110,000 | 443,000 | 734,000 | 860,000 |
| Pretax income | 1,368,000 | 2,423,000 | 3,802,000 | 5,031,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,368,000 | 2,423,000 | 3,802,000 | 5,031,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,341,000 | 41,336,000 | 41,071,000 | 41,790,000 |
| Total capital | 43,999,000 | 44,075,000 | 43,889,000 | 44,705,000 |
| Risk-weighted assets | 211,947,000 | 218,642,000 | 225,058,000 | 232,863,000 |
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