Call reports 2022
CITIZENS BANK OF CUMBERLAND COUNTY, INC. — 2022
What CITIZENS BANK OF CUMBERLAND COUNTY, INC. reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 88,882,000 | 89,602,000 | 88,861,000 | 89,545,000 |
| Total loans | 56,658,000 | 56,264,000 | 60,526,000 | 61,447,000 |
| Allowance for loan losses | 755,000 | 750,000 | 755,000 | 796,000 |
| Securities available for sale | 12,418,000 | 14,056,000 | 13,361,000 | 13,422,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,636,000 | 77,592,000 | 76,318,000 | 78,380,000 |
| Interest-bearing deposits | 52,213,000 | 52,862,000 | 50,505,000 | 54,666,000 |
| Noninterest-bearing deposits | 24,423,000 | 24,730,000 | 25,813,000 | 23,714,000 |
| Equity capital | 9,962,000 | 9,754,000 | 9,677,000 | 9,344,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 884,000 | 1,824,000 | 2,912,000 | 4,095,000 |
| Interest expense | 50,000 | 97,000 | 140,000 | 254,000 |
| Net interest income | 834,000 | 1,727,000 | 2,772,000 | 3,841,000 |
| Noninterest income | 102,000 | 213,000 | 319,000 | 437,000 |
| Noninterest expense | 641,000 | 1,280,000 | 1,920,000 | 2,497,000 |
| Provision for loan losses | 7,000 | 50,000 | 96,000 | 130,000 |
| Pretax income | 288,000 | 610,000 | 1,075,000 | 1,651,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 288,000 | 610,000 | 1,075,000 | 1,651,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,643,000 | 10,665,000 | 11,129,000 | 10,605,000 |