Call reports 2021
CITIZENS BANK OF CUMBERLAND COUNTY, INC. — 2021
What CITIZENS BANK OF CUMBERLAND COUNTY, INC. reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 79,869,000 | 80,284,000 | 82,874,000 | 89,262,000 |
| Total loans | 55,000,000 | 53,929,000 | 54,455,000 | 55,061,000 |
| Allowance for loan losses | 750,000 | 750,000 | 752,000 | 745,000 |
| Securities available for sale | 6,870,000 | 8,652,000 | 9,449,000 | 11,155,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,264,000 | 67,701,000 | 69,802,000 | 76,448,000 |
| Interest-bearing deposits | 49,059,000 | 49,893,000 | 51,496,000 | 52,403,000 |
| Noninterest-bearing deposits | 18,205,000 | 17,808,000 | 18,306,000 | 24,045,000 |
| Equity capital | 10,625,000 | 10,581,000 | 10,868,000 | 10,274,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 913,000 | 1,776,000 | 2,645,000 | 3,668,000 |
| Interest expense | 74,000 | 143,000 | 206,000 | 264,000 |
| Net interest income | 839,000 | 1,633,000 | 2,439,000 | 3,404,000 |
| Noninterest income | 96,000 | 196,000 | 302,000 | 414,000 |
| Noninterest expense | 590,000 | 1,215,000 | 1,829,000 | 2,389,000 |
| Provision for loan losses | 23,000 | 23,000 | 29,000 | 35,000 |
| Pretax income | 322,000 | 591,000 | 883,000 | 1,394,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 322,000 | 591,000 | 883,000 | 1,394,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,588,000 | 10,552,000 | 10,844,000 | 10,355,000 |