Call reports 2019
CITIZENS NATIONAL BANK OF SOMERSET, THE — 2019
What CITIZENS NATIONAL BANK OF SOMERSET, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 417,761,000 | 426,549,000 | 431,321,000 | 445,149,000 |
| Total loans | 249,161,000 | 251,118,000 | 250,202,000 | 252,559,000 |
| Allowance for loan losses | 2,972,000 | 2,919,000 | 3,068,000 | 3,132,000 |
| Securities available for sale | 128,255,000 | 128,806,000 | 158,337,000 | 164,770,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 341,818,000 | 348,921,000 | 347,108,000 | 363,053,000 |
| Interest-bearing deposits | 228,626,000 | 236,838,000 | 231,503,000 | 241,283,000 |
| Noninterest-bearing deposits | 113,192,000 | 112,083,000 | 115,605,000 | 121,770,000 |
| Equity capital | 40,712,000 | 43,294,000 | 43,493,000 | 45,071,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,332,000 | 8,841,000 | 13,432,000 | 18,070,000 |
| Interest expense | 611,000 | 1,297,000 | 1,995,000 | 2,688,000 |
| Net interest income | 3,721,000 | 7,544,000 | 11,437,000 | 15,382,000 |
| Noninterest income | 828,000 | 2,059,000 | 3,226,000 | 4,434,000 |
| Noninterest expense | 3,188,000 | 6,589,000 | 9,912,000 | 13,220,000 |
| Provision for loan losses | 105,000 | 210,000 | 465,000 | 695,000 |
| Pretax income | 1,256,000 | 2,936,000 | 4,441,000 | 6,057,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,256,000 | 2,936,000 | 4,441,000 | 6,057,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,995,000 | 44,833,000 | 44,608,000 | 45,720,000 |
| Total capital | 46,967,000 | 47,751,000 | 47,678,000 | 48,852,000 |
| Risk-weighted assets | 277,540,000 | 262,236,000 | 266,323,000 | 262,694,000 |