Call reports 2017
CITIZENS BANK OF CUMBERLAND COUNTY, INC. — 2017
What CITIZENS BANK OF CUMBERLAND COUNTY, INC. reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 74,404,000 | 74,711,000 | 72,754,000 | 74,734,000 |
| Total loans | 52,420,000 | 52,258,000 | 52,015,000 | 52,736,000 |
| Allowance for loan losses | 820,000 | 860,000 | 875,000 | 802,000 |
| Securities available for sale | 10,385,000 | 10,045,000 | 9,621,000 | 9,962,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,840,000 | 64,521,000 | 62,181,000 | 64,030,000 |
| Interest-bearing deposits | 48,254,000 | 47,348,000 | 46,464,000 | 46,708,000 |
| Noninterest-bearing deposits | 16,586,000 | 17,173,000 | 15,717,000 | 17,322,000 |
| Equity capital | 8,938,000 | 9,274,000 | 9,630,000 | 9,919,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 907,000 | 1,845,000 | 2,801,000 | 3,766,000 |
| Interest expense | 66,000 | 136,000 | 203,000 | 272,000 |
| Net interest income | 841,000 | 1,709,000 | 2,598,000 | 3,494,000 |
| Noninterest income | 104,000 | 153,000 | 235,000 | 318,000 |
| Noninterest expense | 568,000 | 1,144,000 | 1,701,000 | 2,267,000 |
| Provision for loan losses | 27,000 | 61,000 | 126,000 | 162,000 |
| Pretax income | 350,000 | 657,000 | 1,006,000 | 1,383,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 350,000 | 657,000 | 1,006,000 | 1,383,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,042,000 | 9,349,000 | 9,697,000 | 10,074,000 |
| Total capital | 9,739,000 | 10,035,000 | 10,386,000 | 10,761,000 |
| Risk-weighted assets | 55,666,000 | 54,777,000 | 54,990,000 | 54,898,000 |