Call reports 2025
CITIZENS NATIONAL BANK OF SOMERSET, THE — 2025
What CITIZENS NATIONAL BANK OF SOMERSET, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 660,087,000 | 694,357,000 | 702,610,000 | 700,468,000 |
| Total loans | 344,193,000 | 346,178,000 | 352,342,000 | 365,269,000 |
| Allowance for loan losses | 5,409,000 | 5,468,000 | 5,514,000 | 5,521,000 |
| Securities available for sale | 255,969,000 | 277,156,000 | 289,962,000 | 290,452,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 544,737,000 | 553,440,000 | 556,121,000 | 545,763,000 |
| Interest-bearing deposits | 338,343,000 | 336,422,000 | 342,677,000 | 338,266,000 |
| Noninterest-bearing deposits | 206,394,000 | 217,018,000 | 213,444,000 | 207,497,000 |
| Equity capital | 29,730,000 | 30,265,000 | 37,949,000 | 41,005,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 7,606,000 | 15,702,000 | 24,221,000 | 32,940,000 |
| Interest expense | 2,939,000 | 5,936,000 | 9,102,000 | 12,142,000 |
| Net interest income | 4,667,000 | 9,766,000 | 15,119,000 | 20,798,000 |
| Noninterest income | 1,190,000 | 2,389,000 | 3,621,000 | 4,977,000 |
| Noninterest expense | 3,632,000 | 7,301,000 | 11,100,000 | 14,756,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 2,149,000 | 4,703,000 | 7,413,000 | 10,717,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,149,000 | 4,703,000 | 7,413,000 | 10,717,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,755,000 | 60,954,000 | 61,580,000 | 63,218,000 |
| Total capital | 64,493,000 | 66,039,000 | 66,752,000 | 68,551,000 |
| Risk-weighted assets | 378,405,000 | 406,398,000 | 413,403,000 | 426,445,000 |