Call reports 2018
CITIZENS BANK OF CUMBERLAND COUNTY, INC. — 2018
What CITIZENS BANK OF CUMBERLAND COUNTY, INC. reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 75,566,000 | 74,423,000 | 74,303,000 | 75,984,000 |
| Total loans | 51,592,000 | 51,420,000 | 51,511,000 | 51,894,000 |
| Allowance for loan losses | 800,000 | 845,000 | 845,000 | 826,000 |
| Securities available for sale | 10,539,000 | 10,400,000 | 9,675,000 | 9,477,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,706,000 | 63,663,000 | 62,890,000 | 64,716,000 |
| Interest-bearing deposits | 47,553,000 | 47,940,000 | 45,827,000 | 46,344,000 |
| Noninterest-bearing deposits | 18,153,000 | 15,723,000 | 17,063,000 | 18,372,000 |
| Equity capital | 9,146,000 | 9,499,000 | 9,921,000 | 10,007,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 958,000 | 1,977,000 | 2,975,000 | 4,009,000 |
| Interest expense | 68,000 | 142,000 | 224,000 | 317,000 |
| Net interest income | 890,000 | 1,835,000 | 2,751,000 | 3,692,000 |
| Noninterest income | 102,000 | 193,000 | 291,000 | 400,000 |
| Noninterest expense | 580,000 | 1,193,000 | 1,797,000 | 2,396,000 |
| Provision for loan losses | 57,000 | 123,000 | 134,000 | 187,000 |
| Pretax income | 355,000 | 712,000 | 1,111,000 | 1,509,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 355,000 | 712,000 | 1,111,000 | 1,509,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,408,000 | 9,766,000 | 10,164,000 | 10,162,000 |
| Total capital | 10,086,000 | 10,435,000 | 10,832,000 | 10,841,000 |
| Risk-weighted assets | 54,157,000 | 53,417,000 | 53,302,000 | 54,191,000 |