Call reports 2019
CITIZENS BANK OF CUMBERLAND COUNTY, INC. — 2019
What CITIZENS BANK OF CUMBERLAND COUNTY, INC. reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 75,481,000 | 73,456,000 | 75,967,000 | 75,992,000 |
| Total loans | 51,831,000 | 53,091,000 | 52,623,000 | 52,031,000 |
| Allowance for loan losses | 800,000 | 827,000 | 810,000 | 763,000 |
| Securities available for sale | 8,809,000 | 8,105,000 | 7,345,000 | 7,082,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,119,000 | 61,668,000 | 63,582,000 | 62,803,000 |
| Interest-bearing deposits | 44,833,000 | 42,469,000 | 44,451,000 | 44,355,000 |
| Noninterest-bearing deposits | 19,286,000 | 19,199,000 | 19,131,000 | 18,448,000 |
| Equity capital | 9,682,000 | 10,150,000 | 10,554,000 | 10,176,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,001,000 | 2,071,000 | 3,107,000 | 4,123,000 |
| Interest expense | 107,000 | 223,000 | 346,000 | 464,000 |
| Net interest income | 894,000 | 1,848,000 | 2,761,000 | 3,659,000 |
| Noninterest income | 102,000 | 188,000 | 286,000 | 401,000 |
| Noninterest expense | 620,000 | 1,233,000 | 1,837,000 | 2,412,000 |
| Provision for loan losses | 30,000 | 59,000 | 79,000 | 140,000 |
| Pretax income | 346,000 | 744,000 | 1,131,000 | 1,508,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 346,000 | 744,000 | 1,131,000 | 1,508,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,757,000 | 10,155,000 | 10,543,000 | 10,170,000 |
| Total capital | 10,425,000 | 10,827,000 | 11,212,000 | 10,856,000 |
| Risk-weighted assets | 53,362,000 | 53,658,000 | 53,401,000 | 54,839,000 |