Call reports 2016
CITIZENS BANK OF CUMBERLAND COUNTY, INC. — 2016
What CITIZENS BANK OF CUMBERLAND COUNTY, INC. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 75,551,000 | 77,221,000 | 72,462,000 | 72,832,000 |
| Total loans | 53,608,000 | 52,993,000 | 52,492,000 | 53,822,000 |
| Allowance for loan losses | 875,000 | 825,000 | 838,000 | 820,000 |
| Securities available for sale | 8,178,000 | 8,059,000 | 9,525,000 | 9,239,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,308,000 | 66,474,000 | 62,576,000 | 62,547,000 |
| Interest-bearing deposits | 48,942,000 | 49,261,000 | 49,093,000 | 49,128,000 |
| Noninterest-bearing deposits | 15,366,000 | 17,213,000 | 13,483,000 | 13,419,000 |
| Equity capital | 8,743,000 | 9,061,000 | 9,315,000 | 9,543,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 884,000 | 1,779,000 | 2,671,000 | 3,613,000 |
| Interest expense | 75,000 | 155,000 | 243,000 | 312,000 |
| Net interest income | 809,000 | 1,624,000 | 2,428,000 | 3,301,000 |
| Noninterest income | 118,000 | 198,000 | 330,000 | 382,000 |
| Noninterest expense | 550,000 | 1,081,000 | 1,627,000 | 2,171,000 |
| Provision for loan losses | 55,000 | 124,000 | 209,000 | 233,000 |
| Pretax income | 323,000 | 631,000 | 936,000 | 1,320,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 323,000 | 631,000 | 936,000 | 1,320,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,710,000 | 9,018,000 | 9,323,000 | 9,692,000 |
| Total capital | 9,376,000 | 9,727,000 | 10,007,000 | 10,390,000 |
| Risk-weighted assets | 53,120,000 | 56,641,000 | 54,595,000 | 55,742,000 |