Call reports 2023
CITIZENS BANK OF CUMBERLAND COUNTY, INC. — 2023
What CITIZENS BANK OF CUMBERLAND COUNTY, INC. reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 89,085,000 | 89,433,000 | 89,086,000 | 92,838,000 |
| Total loans | 62,070,000 | 62,381,000 | 61,576,000 | 62,965,000 |
| Allowance for loan losses | 800,000 | 793,000 | 793,000 | 790,000 |
| Securities available for sale | 13,456,000 | 13,250,000 | 14,107,000 | 14,403,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,899,000 | 77,620,000 | 76,172,000 | 80,597,000 |
| Interest-bearing deposits | 57,454,000 | 57,472,000 | 56,091,000 | 57,974,000 |
| Noninterest-bearing deposits | 20,445,000 | 20,148,000 | 20,081,000 | 22,623,000 |
| Equity capital | 9,571,000 | 9,826,000 | 10,189,000 | 9,897,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,180,000 | 2,413,000 | 3,688,000 | 5,031,000 |
| Interest expense | 222,000 | 485,000 | 793,000 | 1,109,000 |
| Net interest income | 958,000 | 1,928,000 | 2,895,000 | 3,922,000 |
| Noninterest income | 110,000 | 220,000 | 344,000 | 459,000 |
| Noninterest expense | 682,000 | 1,398,000 | 2,089,000 | 2,769,000 |
| Provision for loan losses | 15,000 | 28,000 | 27,000 | 27,000 |
| Pretax income | 371,000 | 722,000 | 1,123,000 | 1,585,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 371,000 | 722,000 | 1,123,000 | 1,585,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,676,000 | 11,022,000 | 11,423,000 | 10,725,000 |