Call reports 2018
CITIZENS NATIONAL BANK OF SOMERSET, THE — 2018
What CITIZENS NATIONAL BANK OF SOMERSET, THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 394,263,000 | 384,449,000 | 382,074,000 | 405,897,000 |
| Total loans | 245,828,000 | 246,102,000 | 246,376,000 | 245,954,000 |
| Allowance for loan losses | 3,104,000 | 2,928,000 | 2,981,000 | 2,979,000 |
| Securities available for sale | 116,421,000 | 115,360,000 | 113,128,000 | 121,948,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 329,795,000 | 321,940,000 | 324,282,000 | 334,946,000 |
| Interest-bearing deposits | 215,090,000 | 213,905,000 | 212,957,000 | 225,077,000 |
| Noninterest-bearing deposits | 114,705,000 | 108,035,000 | 111,325,000 | 109,869,000 |
| Equity capital | 38,452,000 | 38,419,000 | 37,298,000 | 38,920,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,923,000 | 7,944,000 | 12,070,000 | 16,347,000 |
| Interest expense | 290,000 | 605,000 | 956,000 | 1,448,000 |
| Net interest income | 3,633,000 | 7,339,000 | 11,114,000 | 14,899,000 |
| Noninterest income | 999,000 | 1,875,000 | 2,769,000 | 4,028,000 |
| Noninterest expense | 3,047,000 | 6,041,000 | 9,189,000 | 12,560,000 |
| Provision for loan losses | 105,000 | 210,000 | 465,000 | 570,000 |
| Pretax income | 1,480,000 | 2,963,000 | 4,229,000 | 5,797,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,480,000 | 2,963,000 | 4,229,000 | 5,797,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,016,000 | 43,297,000 | 42,825,000 | 43,990,000 |
| Total capital | 46,120,000 | 46,225,000 | 45,806,000 | 46,969,000 |
| Risk-weighted assets | 270,186,000 | 258,914,000 | 256,921,000 | 269,625,000 |
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