Call reports 2014
CITIZENS BANK OF CUMBERLAND COUNTY, INC. — 2014
What CITIZENS BANK OF CUMBERLAND COUNTY, INC. reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 71,539,000 | 69,320,000 | 69,444,000 | 69,484,000 |
| Total loans | 52,915,000 | 52,915,000 | 52,569,000 | 54,301,000 |
| Allowance for loan losses | 980,000 | 880,000 | 895,000 | 925,000 |
| Securities available for sale | 7,071,000 | 6,414,000 | 7,581,000 | 7,499,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,796,000 | 57,362,000 | 57,269,000 | 57,421,000 |
| Interest-bearing deposits | 49,600,000 | 48,084,000 | 47,594,000 | 47,239,000 |
| Noninterest-bearing deposits | 9,196,000 | 9,278,000 | 9,675,000 | 10,182,000 |
| Equity capital | 7,876,000 | 8,312,000 | 8,532,000 | 8,863,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 849,000 | 1,726,000 | 2,563,000 | 3,439,000 |
| Interest expense | 85,000 | 168,000 | 248,000 | 326,000 |
| Net interest income | 764,000 | 1,558,000 | 2,315,000 | 3,113,000 |
| Noninterest income | 72,000 | 171,000 | 246,000 | 349,000 |
| Noninterest expense | 550,000 | 1,025,000 | 1,530,000 | 2,044,000 |
| Provision for loan losses | 34,000 | 72,000 | 112,000 | 159,000 |
| Pretax income | 252,000 | 632,000 | 919,000 | 1,259,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 252,000 | 632,000 | 919,000 | 1,259,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,914,000 | 8,292,000 | 8,501,000 | 8,840,000 |
| Total capital | 8,524,000 | 8,911,000 | 9,107,000 | 9,447,000 |
| Risk-weighted assets | 49,075,000 | 49,410,000 | 48,506,000 | 48,406,000 |