Call reports 2013
CITIZENS BANK OF CUMBERLAND COUNTY, INC. — 2013
What CITIZENS BANK OF CUMBERLAND COUNTY, INC. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 70,604,000 | 69,889,000 | 69,525,000 | 70,350,000 |
| Total loans | 54,974,000 | 54,456,000 | 53,837,000 | 54,487,000 |
| Allowance for loan losses | 810,000 | 930,000 | 930,000 | 1,006,000 |
| Securities available for sale | 6,017,000 | 6,020,000 | 7,278,000 | 7,180,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,382,000 | 56,776,000 | 56,183,000 | 56,513,000 |
| Interest-bearing deposits | 48,152,000 | 47,842,000 | 46,550,000 | 47,723,000 |
| Noninterest-bearing deposits | 10,230,000 | 8,934,000 | 9,633,000 | 8,790,000 |
| Equity capital | 8,605,000 | 7,816,000 | 8,087,000 | 8,391,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 881,000 | 1,747,000 | 2,621,000 | 3,494,000 |
| Interest expense | 120,000 | 223,000 | 318,000 | 407,000 |
| Net interest income | 761,000 | 1,524,000 | 2,303,000 | 3,087,000 |
| Noninterest income | 98,000 | 158,000 | 257,000 | 356,000 |
| Noninterest expense | 525,000 | 1,020,000 | 1,524,000 | 1,985,000 |
| Provision for loan losses | 55,000 | 191,000 | 234,000 | 328,000 |
| Pretax income | 279,000 | 471,000 | 802,000 | 1,130,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 279,000 | 471,000 | 802,000 | 1,130,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,546,000 | 7,936,000 | 8,141,000 | 8,467,000 |
| Total capital | 9,118,000 | 8,562,000 | 8,750,000 | 9,088,000 |
| Risk-weighted assets | 50,640,000 | 49,968,000 | 48,935,000 | 49,820,000 |