Call reports 2020
CITIZENS BANK OF CUMBERLAND COUNTY, INC. — 2020
What CITIZENS BANK OF CUMBERLAND COUNTY, INC. reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 73,676,000 | 78,748,000 | 74,925,000 | 79,931,000 |
| Total loans | 50,586,000 | 50,602,000 | 52,352,000 | 54,491,000 |
| Allowance for loan losses | 745,000 | 750,000 | 740,000 | 747,000 |
| Securities available for sale | 6,431,000 | 4,673,000 | 6,396,000 | 7,144,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,490,000 | 66,420,000 | 62,543,000 | 66,880,000 |
| Interest-bearing deposits | 44,131,000 | 45,041,000 | 45,816,000 | 49,461,000 |
| Noninterest-bearing deposits | 17,359,000 | 21,379,000 | 16,727,000 | 17,419,000 |
| Equity capital | 10,258,000 | 10,521,000 | 10,781,000 | 10,346,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 972,000 | 1,857,000 | 2,740,000 | 3,630,000 |
| Interest expense | 111,000 | 212,000 | 308,000 | 392,000 |
| Net interest income | 861,000 | 1,645,000 | 2,432,000 | 3,238,000 |
| Noninterest income | 90,000 | 182,000 | 299,000 | 390,000 |
| Noninterest expense | 648,000 | 1,244,000 | 1,855,000 | 2,432,000 |
| Provision for loan losses | 13,000 | 30,000 | 46,000 | 46,000 |
| Pretax income | 290,000 | 553,000 | 830,000 | 1,150,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 290,000 | 553,000 | 830,000 | 1,150,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,160,000 | 10,422,000 | 10,699,000 | 10,266,000 |
| Total capital | — | 11,088,000 | — | — |
| Risk-weighted assets | — | 53,219,000 | — | — |