Call reports 2015
CITIZENS BANK OF CUMBERLAND COUNTY, INC. — 2015
What CITIZENS BANK OF CUMBERLAND COUNTY, INC. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 71,585,000 | 69,913,000 | 70,186,000 | 71,310,000 |
| Total loans | 54,414,000 | 52,905,000 | 52,806,000 | 53,958,000 |
| Allowance for loan losses | 925,000 | 880,000 | 850,000 | 850,000 |
| Securities available for sale | 6,748,000 | 6,618,000 | 6,541,000 | 6,477,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,159,000 | 58,203,000 | 58,450,000 | 59,545,000 |
| Interest-bearing deposits | 47,648,000 | 47,611,000 | 47,624,000 | 48,427,000 |
| Noninterest-bearing deposits | 12,511,000 | 10,592,000 | 10,826,000 | 11,118,000 |
| Equity capital | 8,338,000 | 8,538,000 | 8,897,000 | 9,307,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 842,000 | 1,685,000 | 2,545,000 | 3,413,000 |
| Interest expense | 77,000 | 151,000 | 226,000 | 302,000 |
| Net interest income | 765,000 | 1,534,000 | 2,319,000 | 3,111,000 |
| Noninterest income | 133,000 | 197,000 | 326,000 | 450,000 |
| Noninterest expense | 565,000 | 1,106,000 | 1,645,000 | 2,118,000 |
| Provision for loan losses | 34,000 | 85,000 | 130,000 | 161,000 |
| Pretax income | 299,000 | 540,000 | 870,000 | 1,282,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 299,000 | 540,000 | 870,000 | 1,282,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,304,000 | 8,545,000 | 8,875,000 | 9,287,000 |
| Total capital | 8,986,000 | 9,191,000 | 9,525,000 | 9,947,000 |
| Risk-weighted assets | 54,409,000 | 51,460,000 | 51,682,000 | 52,630,000 |